vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Deceptive Practices, Failure to Prove Lapse of Insurance To whom it may concern, I need urgent assistance with the deceptive practices of Shellpoint Mortgage Servicing, the company that holds the loan # XXXX XXXX of my XXXX XXXX XXXX for the apartment located at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX in which I also reside. It appears they are deliberately misleading us, potentially leading to the foreclosure of our apartment. 

Last year, Shellpoint requested proof of property insurance in XXXX, and I promptly provided all necessary information, including the MASTER POLICY & HAZARD INSURANCE details from the XXXX XXXX XXXX, on XX/XX/XXXX. Similarly, I also submitted proof of FLOOD INSURANCE on XX/XX/XXXX. 

Despite this, Shellpoint is now unjustly charging over {$1700.00}, alleging a lapse of insurance, despite us being fully compliant with all legal requirements. Moreover, there are discrepancies in their records regarding our monthly mortgage payments, falsely showing the last payment in XX/XX/XXXX, despite payments made until XX/XX/XXXX, which have been successfully deducted from the bank. 

Additionally, this XXXX, we faced challenges making the payment due to an insistence on approval from my sister 's bank, despite being authorized to make payments on her behalf since XX/XX/XXXX, due to her XXXX condition. This delay has caused immense distress in our family. 

It seems Shellpoint XXXX be using our mortgage payments to cover their erroneous lapsed insurance charges. Despite numerous attempts to rectify these issues and countless contacts with Shellpoint, they have not provided satisfactory resolutions and continue to demand proof of insurance without evidence of a lapse. Urgent assistance in resolving these matters is desperately needed. 
I have all emails sent to Shellpoint as proof of satisfying the insurance proof requested. 

I look forward to hearing from you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have been banking with Webster Bank for years and using their Paper Check Bill Payment service. 

It used to be that when I order a Paper Check to be sent to a payee by a certain date, the debit of such payment funds from my account would not occur until the payee deposits or cashes my check. 

But now Webster Bank has implemented a new policy, without prior disclosure, of debiting my account upon the specified delivery date rather than when the check is actually cashed, as previously. 

Is this new approach legal? A paper check should not be debited until cashed by payee -- that's the way paper checks work. 

Is Webster Bank attempting to surreptitiously earn money on the Float?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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 2024-04-09 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: FL

Complaint narrative:
delete these accounts and remove the late payments

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 2024-04-09 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: VA

Complaint narrative:
I do not approve of these requests, and they have nothing to do with my financial exercises. I demand that they be removed from my credit report immediately.

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 2024-04-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: Prosper Marketplace, Inc.
State: IN

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT I AM THE VICTIM OF THE XXXX XXXX DATA BREACH I AM DISPUTING THE 5 ACCOUNTS OPENED ON OR AROUND XX/XX/XXXX THROUGH AUGUST 0F XXXX. 

I DID NOT OPEN OR AUTHORIZE XXXX XXXX  TO OPEN A CREDIT CARD ON XX/XX/XXXX AS OF THIS LETTER I HAVE FILED MY 3RD FTC AND POLICE REPORT OF XXXX. 

I HAVE ALL THE PROOF THIS IS NOT MY ACCOUNT- XXXX IGNORES THE EVIDENCE. 

THE POLICE HAVE AN ALLEGED SUSPECT ALSO. 

PLEASE REMOVE FROM MY CREDIT BUREAUS IMMEDIATELY.

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 2024-04-09 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: LendingPoint Holdings LLC
State: IN

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT I AM THE VICTIM OF THE XXXX XXXX DATA BREACH I AM DISPUTING THE 5 ACCOUNTS OPENED ON OR AROUND XX/XX/XXXX THROUGH XXXX  0F XXXX. 

I DID NOT OPEN OR AUTHORIZE XXXX XXXX TO OPEN A CREDIT CARD ON XX/XX/XXXX AS OF THIS LETTER I HAVE FILED MY 3RD FTC AND POLICE REPORT OF XXXX. 

I HAVE ALL THE PROOF THIS IS NOT MY ACCOUNT- XXXX IGNORES THE EVIDENCE. 

THE POLICE HAVE AN ALLEGED SUSPECT ALSO. 

PLEASE REMOVE FROM MY CREDIT BUREAUS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NJ

Complaint narrative:
It's my understanding that FCRA 605B obligates us to expunge any incorrect accounts from my credit profile. Could you kindly examine the paperwork? Several of the mentioned accounts are inaccurate in terms of reporting, with discrepancies in amounts and dates.

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 2024-04-09 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I was a victim of identity theft I have a freeze on my account never opened this account this is a frustrating situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am disputing the " key factors '' on all of my credit reports. I requested a copy of my credit report after I got denied for credit. My actual credit report is fine, all the companies/agencies have reported my information correctly. My problem is with the actual credit bureaus themselves. They have what they call key factors and these key factors are wrong. For instance XXXX of the key factors state " the date that you opened your oldest account is too recent ''. I do not know what they consider recent, but I am XXXX XXXX XXXX and I bought my first house when I was XXXX. So to me XXXX years is not recent. Or another key factor states " your largest credit limit on open bankcard or revolving accounts is too low ''. I dont even know what that means. I called XXXX today and spoke with XXXX and he could not even explain what that means to me. I dont understand these Key factors. I have an XXXX credit score, but I have XXXX negative key factors that are coming from the credit reporting agencies themselves, not any creditor. I want these key factors removed from my credit reports. I was denied credit because of the key factors and I have worked too hard for too many years to get perfect credit for the actual credit bureaus to ruin the work I have done. Thank you 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 non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am disputing the " key factors '' on all of my credit reports. I requested a copy of my credit report after I got denied for credit. My actual credit report is fine, all the companies/agencies have reported my information correctly. My problem is with the actual credit bureaus themselves. They have what they call key factors and these key factors are wrong. For instance one of the key factors state " the date that you opened your oldest account is too recent ''. I do not know what they consider recent, but I am XXXX XXXX XXXX and I bought my first house when I was XXXX. So to me 33 years is not recent. Or another key factor states " your largest credit limit on open bankcard or revolving accounts is too low ''. I dont even know what that means. I called XXXX today and spoke with XXXX and he could not even explain what that means to me. I dont understand these Key factors. I have an XXXX XXXX XXXX, but I have 4 negative key factors that are coming from the credit reporting agencies themselves, not any creditor. I want these key factors removed from my credit reports. I was denied credit because of the key factors and I have worked too hard for too many years to get perfect credit for the actual credit bureaus to ruin the work I have done. Thank you 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 2024-04-09 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: CA

Complaint narrative:
TransUnion is reporting an alleged collection account XXXX XXXX that has not been validated as belonging to me. I would like the documents or the name of the person whom TransUnion spoke with to determine this information about me. Debt collectors needs the permission of a competent judicial court to collect on debts and this matter has not been filed in any court so how is this account being reported? Under FCRA credit bureaus are required to provide details into their investigation process.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had filed a credit card dispute for a {$9000.00} purchase I made while on a cruise stop in the XXXX XXXX. The purchase was made on XXXX and the dispute was filed on XXXX. 

They requested me to send them documents via the postal service. I asked if there was a way I could email the documents and they sent me an email with a means to securely upload documents that would be active for 14 days. Each time I uploaded documents, I received a notice in my account that the documents had been received. I also made several phone calls to confirm this and check the status and they always had a record of any calls I made. 

On XXXX, they informed me that the merchant had responded and my dispute was denied and my case was closed and they rebilled me for {$9000.00}. They also told me I could dispute the decision and submit additional information to support my case. On XXXX I submitted XXXX documents to them and did not receive a notice in my account that they had been received. I contacted them on XXXX and was told that my documents had been received and a decision had been made on XXXX and I lost my dispute and they could no longer help me. I spoke with a supervisor named XXXX that day and she confirmed everything the customer service rep said and they could no longer help me and I would receive a notice in the mail. 

On XXXX, I contacted them again as the date to appeal ( XXXX ) was approaching and I had still not received anything in my account to show my appeal documents had been received and the case was re-denied. I spoke with a girl named XXXX and she assured me they had received the documents, my case had not been decided and that I should hear by the end of the month. I liked that answer better so I chose to accept it and wait a few more days. Again I asked why I had not received notification in my on-line documents and she had no answer. 

On XXXX I contacted them again. This time they had no record on my conversation with " XXXX '' and reconfirmed that my case was in fact closed and they could no longer assist me. I spoke with another supervisor, XXXX, and she was sympathetic but assured me my case was closed at Capital One and I would have to work something out with the merchant. 

Since I resubmitted my documents on XXXX, Capital One has been less than helpful. Their dispute process is very cumbersome and when they stop communicating, they stop communicating and you are on your own. 

I have since paid the {$9000.00} to Capital One, finally received my products on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: Point Digital Finance, Inc.
State: NY

Complaint narrative:
I closed on my conventional mortgage on XX/XX/XXXX. At the closing I was informed that Point ( the company ) can not close on a mortgage if there is an open loan/balance with the IRS. I protested vehemently to no avail. I agreed in order to complete the closing. A tape of the closing was made by the mortgage company , the amount of the supposed debt to the IRS was XXXX XXXX XXXX  On or around XXXX, XXXX, the check was returned to the Title company who held on to the check, for 2 years and 5 months. This caused us many, many sleepless night and grief beyond description. We had to borrow moneys to complete the work as well as put the costs for the windows, siding, gutter guards and removal of trees on credit cards or financing. We lost time, incurred additional expenses because we lost the time in which the contracts were to be performed as well as the costs of the materials delivered to the house and would not give a refund! The check was finally released to us on XX/XX/XXXX, {$6000.00} short of the {$51.00} ; XXXX expected and a total of 2 years and 4/5 months later,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/year>, I wrote a check from my account at XXXX XXXX to a customer of Huntington Bank for {$9000.00}. That customer cashed the check. Without explanation, Huntington Bank declined to release the funds to that customer. Huntington stated that the funds were on hold and would be reviewed for possible fraud. My bank ( XXXX XXXX ) has already debited the funds from my account. 

I went with the customer to a branch of Huntington ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ). I presented two forms of identification as well as the checkbook used to write the check, and I stated that this was a legitimate transaction and I wanted to Huntington to release the funds to the customer. I also brought all documentation regarding the account from which the check was written. The representative at Huntington Bank told us the funds would be released. 

The funds were still not released, so we called Huntington Bank several times. We were told over the phone that I needed to submit a notarized letter stating that I wanted the funds returned to my account. I did this. I typed and notarized a letter stating the exact information of the check and stating that I did write the check and wanted the funds returned to my account. The customer submitted this notarized letter to Huntington Bank, along with all documentation related to the account from which the check was written. 

Huntingon Bank still refused to release the funds. A representative on the phone asked me to ask my bank to recall the funds. I called my bank and they said they can not do this. However, my bank was able to fax a letter to Huntington Bank stating that the original check written was legitimate. 

Huntington Bank still refused to release the funds, even after a notarized letter from me, extensive paperwork proving the account is mine, and multiple forms of identification from me. Huntington refuses to release the funds to the customer and also refuses to return the funds to me. They have been holding these funds for over 2 months. I would like Huntington Bank to release the funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: NY

Complaint narrative:
The Unfair credit reporting Act state that these inquiries are unfair and unauthorized. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
I am being garnished wages for a credit card purchase in 2009 I did not make

Company response to consumer: Closed with explanation