vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WV

Complaint narrative:
I received a letter from Discover dated XX/XX/XXXX stating my account will close due to inactivity on XX/XX/XXXX. The Pandemic hit the next month forcing me to obey the " stay at home order '' set forth by the WV Governor. I had not left the house until XX/XX/XXXX for a medical appointment. I was not able to use this card prior to the XXXX. I inquired with Discover on the XXXX and my account was " still open '' but I was told they would indeed close it within the next day or two. I made a purchase on the XXXX and it went through. I spoke with a Discover Supervisor after this purchase reminding her that the guidelines for this closure should not be reinforced because of this national crisis. If I had a balance on this account I would not have to pay it ; yet, I have an account in Excellent standing - with a {$15000.00} limit since XXXX and Discover will close my account and lower my credit score and effect my credit report due to no fault of my own. I had an Excellent credit score and need this more now as we are building a new home. I spoke with Discover Corporate on XX/XX/XXXX. I was told there was no exceptions for the closing guidelines due to the Virus. However, this state has changed guidelines for license expiration. I was issued a new card with only a limit of {$1000.00} with one click - why can't they keep my card open with one click?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Re : mortgage with loan no. XXXX for the original mortgage that had been serviced by Shellpoint Mortgage that was refinanced and funded on XXXX. XXXX, the title company, told me that it sent via Fed Funds wire the payoff to Shellpoint Mortgage on XXXX with the wire reference number : XXXX. On XXXX I spoke to XXXX XXXX in customer service at Shellpoint. She told me that my account shows a payoff on XXXX and has no other information about when the payoff was received by Shellpoint and what date Shellpoint uses to record receipt of the payoff. XXXX said she would have data on the payoff emailed to me. On XXXX I received an email from XXXX XXXX of Shellpoint that showed the same thing that XXXX told me - the recorded date of the payoff was XXXX. I replied to Ms. XXXX with the fed funds reference number that the payoff was made on XXXX. On XXXX, Ms. XXXX replied ( attached ) that she can't respond to an email, and that I should contact customer service. But I had already contacted XXXX XXXX in Shellpoint customer service on XXXX and couldn't get any clarifying information. Since Shellpoint had the payoff on XXXX per the Fed Funds wire, but recorded its receipt on XXXX, I'm being charged one extra day of interest, which is {$62.00}, and I would like Shellpoint to send me a check for {$62.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: PA

Complaint narrative:
I have an account on my file from the XXXX XXXX XXXX. ( Account number XXXX ) I disputed this account for being outside of the 7 year federal obsolescence period for remaining on the file. The bureaus removed it. 

One month later the account came back on my file. XXXX XXXX changed the data on the account to put it back into the obsolescence period ... but didn't count on the fact that I have copied the way the account looked on the bureaus before and after it was removed. 
I have attached two copies of how this account appeared on my file. In XXXX, you can clearly see that the last payment ( the date used to determine the obsolescence time period ) shows as XXXX of XXXX. Since the credit bureau industry uses 6 years and 9 months instead of 7 years ( to assure they remain in compliance XXXX, it was properly removed. 

But XXXX XXXX then CHANGED the data on the account. They removed the last payment date entirely and then deleted all historical payment date prior to XXXX. Thus giving a new obsolescence date. 

Now the FCRA provides two levels of non-compliance. 1 ) Negligent Non-Compliance where someone just makes a mistake. 2 ) Willful Non-Compliance where someone manipulates data to trick the system. The second non-compliance holds that a consumer make seek damages. 

It is clear that the XXXX XXXX XXXX is manipulating data to put items BACK on consumers files in violation of federal law. This should be a class action lawsuit as I am sure this is happening to any of their customers whose collections are removed for obsolescence reasons.

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 2020-04-30 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: PA

Complaint narrative:
I have an account on my file from the XXXX XXXX XXXX. ( Account number XXXX ) I disputed this account for being outside of the 7 year federal obsolescence period for remaining on the file. The bureaus removed it. 

One month later the account came back on my file. XXXX XXXX changed the data on the account to put it back into the obsolescence period ... but didn't count on the fact that I have copied the way the account looked on the bureaus before and after it was removed. 

I have attached two copies of how this account appeared on my file. In XXXX, you can clearly see that the last payment ( the date used to determine the obsolescence time period ) shows as XXXX of XXXX. Since the credit bureau industry uses 6 years and 9 months instead of 7 years ( to assure they remain in compliance ), it was properly  removed. 

But XXXX XXXX then CHANGED the data on the account. They removed the last payment date entirely and then deleted all historical payment date prior to XXXX. Thus giving a new obsolescence date. 

Now the FCRA provides two levels of non-compliance. 1 ) Negligent Non-Compliance where someone just makes a mistake. 2 ) Willful Non-Compliance where someone manipulates data to trick the system. The second non-compliance holds that a consumer make seek damages. 

It is clear that the XXXX XXXX XXXX is manipulating data to put items BACK on consumers files in violation of federal law. This should be a class action lawsuit as I am sure this is happening to any of their customers whose collections are removed for obsolescence reasons.

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 2020-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I applied for forebearance with New Rez ( newrez.com ) and was approved. However, I received letters telling me ( felt more like intimidation and threats ) that it would be reported on my credit and negatively affect my credit score. Furthermore that I would be expected to pay it all in a lump sum. They did not offer me options. If I understand correctly your credit score is not supposed to be affected They told me my VA loan was backed up by a private investor and I did not have the same rights under the Federal Cares ACT to qualify with my loan. I knew that this information was incorrect and these were bullying tactics to cause stress and fear. I am no longer seeking Forebearance. However, I want to hold this company accountable and prevent them from doing this to other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My mother passed away and I am the named executor of her estate. I started probate in Florida, and obtained the necessary court orders to open and inspect a safety deposit box and to closer her account at Wells Fargo XXXX XXXX Branch. When I approached the branch, speaking with Ms. XXXX XXXX, I was informed that I needed an apostilled copy of my mother 's death certificate ( she died in XXXX ). I tried to point out to them that the apostilled copy was submitted to the court as part of probate, but that was not acceptable. I delayed traveling down to Florida ( I live in XXXX ), and started the process for getting the apostilled certificate. Once I finally got it, I re-submitted the documents to Wells Fargo. This time, they said that the names did not exactly match ( my mother had gotten divorced ). Again, I pointed out that the court had issued the court order, but they would not budge. So again, my lawyer went back to court, got an amended order, and I resubmitted it to Wells Fargo. At this point, I was informed that the box had been drilled out, because of non-payment of fees. I pointed out to them that they still have an account there with over {$10000.00} in it, from which they have withdrawn the box fees for over 30 years. But they said that since my mother had died, the account was frozen. However, they did not contact me, even though I have been dealing with this for over nine months and they have all my contact information, and they knew I was the executor of the estate. Apparently, the contents of the box are now in South Carolina, and the XXXX XXXX branch is unable to even give me an inventory of what was in the box. Wells Fargo 's incompetence in this matter has been mind-numbing. Nine months ago, when I first contacted them, I had a valid court order authorizing me to close out the account and open the safety deposit box. They ignored it, and asked for additional information, even though that information had already been submitted to the Court. They have gone out of their way to make closing this account difficult, and have made a painful task even more frustrating.

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 2020-04-30 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: CITIBANK, N.A.
State: DE

Complaint narrative:
On XX/XX/20 I reviewed a copy of my XXXX credit report and noticed an inquiry from EXXON/CBNA with an identifier XXXX. I contacted XXXX via their online portal and asked to have the inquiry removed since I never applied for an account with Exxon. I also placed a " fraud alert '' on my credit bureau reports the same day. I received an update via the XXXX online portal several days later. XXXX indicated that they can not remove the inquiry and that I should contact the issuer. Today I received two Exxon credit cards in the mail. One was in my name and one was in the name of someone I do not know. I called Exxon at XXXX and spoke with XXXX. I asked that my account be closed and that the credit inquiry be removed from my credit bureau file. XXXX said she could not remove the inquiry and I asked to speak with her supervisor. She refused. I am asking for your help in having the fraudulent credit inquiry removed from my credit bureau 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 2020-04-30 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Hello : I have established credit since XX/XX/2000 and the creditors are sending my credit history to all ( 3 ) Credit Bureaus. However, Equifax Report does not reflect any credit history information for the past 6 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I have been trying to get help from my mortgage company but they continue to deny our request for homeowner assistance. My interest rate is very high and yet they say they can't create an affordable payment. 

There is a pandemic going around and I have a sale date around the corner which they won't suspend. I have proven my hardship default which we lost our XXXX income and had to start over. 

Everyone else is getting help during COVID and yet here we are with no assistance options and about to lose our home!

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 2020-04-30 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my 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 explanation
Consumer complaint received 2020-04-30 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my 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 explanation
Consumer complaint received 2020-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am disputing this information. And seeking reports free from XXXX and XXXX and XXXX XXXX, because they are also reporting inaccurate information. It's also a violation of my hippa rights .To third parties such as XXXX XXXX etc, its preventing me from getting proper housing XXXX, XXXX , OH XXXX, XXXXXXXX , TXXXXXXXXX, XXXX , XXXX, XXXXXXXX , TXXXXX XXXX, XXXX , OHXXXX XXXX, XXXX , NC XXXX, XXXX , NCXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Never done business with these companies XXXX XXXX XXXX XXXX XXXX # XXXX XXXX listed twice with misspelled name XXXX, XXXXXXXX, XXXX, 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 2020-04-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing this information. And seeking reports free from XXXX and Experian and XXXX XXXX, because they are also reporting inaccurate information. It's also a violation of my hippa rights .To third parties such as XXXX XXXX etc, its preventing me from getting proper housing XXXX, XXXX , OH XXXX, XXXXXXXX , TXXXXXXXXX, XXXX , XXXX, XXXX , TXXXXX XXXX, XXXX , OHXXXX XXXX, XXXX , NC XXXX, XXXX , NCXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Never done business with these companies XXXX XXXX XXXX XXXX XXXX # XXXX XXXX listed twice with misspelled name XXXX, XXXXXXXX, XXXX, 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 2020-04-30 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$330.00} XXXX XXXX {$1100.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$8500.00}

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 2020-04-30 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$330.00} XXXX XXXX {$1100.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$8500.00}

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 2020-04-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigations results.

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 2020-04-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigations results.

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 2020-04-30 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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX/XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED/XXXX XXXXXXXX {$180000.00} USDOE/XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$990.00} XXXX XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation