vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I am a closing attorney. I handled a closing for a client in which a manufactured home was also being conveyed. Shellpoint Mortgage is the holder of the mortgage on the manufactured home. They admit the lien has been paid. They stated they sent a lien release to the seller for my closing, but South Carolina law requires the release be sent to the SCDMV. I cited the law to Shellpoint and have provided ample opportunity for them to remedy their failure to comply with South Carolina law. They refuse to take any further action or to comply with the legal requirements of the SC Department of Motor Vehicles. My communications have been with XXXX and was told by whoever monitors this email address ( no signature included in their email ) that I would need to direct my inquiries to the Shellpoint customer only.

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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XXXX XXXX i was called at around XXXX XXXX while i was still at work, a lady stated she was looking for XXXX, i told here thats who i was, she stated she was from navy federal and that i had an account that was negative $ XXXX dollars, i stated i was aware and wanted to take care of the account but currently could not because i had no way to make a payment due to not having my debit card with me, she refused to call me back in 1 hour, or allow me to go to the branch to handle this matter, i explained my situation, she was very rude in the matter and then stated several times she could only debit the funds from a diffrent account i have with there institution. I stated i would like to handle the payment either in the branch or to call me back in one hour, she refuesed and stated she would just take the funds out of my other account. At that point in time i stated i do not agree with that transaction and that i would only allow half of the amount be taken out and the other half taken out on XX/XX/XXXX. She never gave me her ID number or full name, or her location she was calling from, she never offered to transfer me to her supervisor or clarified where i agreed to XXXX XXXX  policy to just take a payment from someone without there consent which she said she would do if i agreed or not. Once the payment is taken out on XXXX XXXX i will be closing my account with this institution due to there practices and i believe violations that occured during this single phone call, i have never had an issue with this bank until today when this employee called me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: MI

Complaint narrative:
I did not give these companies written or verbal approval to Inquire on my credit profile. I don't have any knowledge of these transactions. These companies are in violation of my rights and would like these inquiries removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

Florida Department of Revenue / Child Support Enforcement : # XXXX, XXXX XXXX XXXX : # XXXX & XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas Attorney Generals Office : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Department of Education XXXX # XXXX Have all violated my rights. 

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 

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, Texas Attorney Generals Office : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department of Education XXXX # XXXX Have all violated my rights. 

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 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
During Covid-19 pandemic, I XXXX from XXXX in XX/XX/XXXX moved back home and worked at XXXX XXXX I was removed from my XXXX XXXX position on XX/XX/XXXX, and on XX/XX/XXXX, my father, unfortunately, had a XXXX XXXXXXXX and my mother and I were left to pick up the slack with the bills in the household, resulting in me not being able to pay off my required dues. With the lack of job offering during the pandemic, I was not able to fully sustain all of the bills that were given to me, specifically my XXXX loans and my credit card bills.

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: DE

Complaint narrative:
Discover Bank has willfully been denying me of my consumer rights and breaking the law while doing so. 
I have reached out to discover bank and the credit bureaus to have a proper investigation done under 15 USC 1681. I have the right to an accurate and fair consumer report and a fair and correct investigation. You Discover Bank have to provide me with the proper documentation and that has not been done. Other than the fact that the reporting agencies are paying you what other information is causing you to side with them? Please provide me with all of the documents that prove I was late on this account. 
Furthermore you have been violating my privacy and did not disclose all of my rights. 
I was not given proper disclosure telling me I was allowed to opt out of disclosing my non public personal information. My transactions are non public personal information. 
You are in violation of 15 USC 6802 & 15 USC 1681 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 
I was never given proper disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Dear XXXX XXXX : Thank you for contacting the U.S. Securities and Exchange Commission ( SEC ). 

Please note that mortgage and loan-related complaints generally do not fall within the SECs regulatory jurisdiction. The SEC regulates and enforces the federal laws that govern the sale and trading of stocks, bonds, mutual funds, and other securities. Our website, https : //www.sec.gov, explains what we do in greater detail. 

The Consumer Financial Protection Bureau ( CFPB ) is the government agency that deals with mortgage-related complaints, so we suggest that you contact the CFPB with your concerns. You may submit a complaint by completing the CFPBs consumer complaint form available on its website at https : //www.consumerfinance.gov. You may also contact the CFPB directly at the address and telephone number listed below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We hope this information is helpful. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Securities and Exchange Commission www.sec.gov www.investor.gov 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  : MY QUESTION HAS TO DO WITH SECURITIZATION OF MY MORTGAGE WITH XXXX XXXX. AFTER SENDING MY MORTGAGE INFORMATION TO A WEB BLOG CALLED XXXX XXXX XXXX ; I WAS INFORMED THAT INDEED MY MORTGAGE WAS ONE OF THE THOUSANDS THAT THE COMPANY ILLEGALLY SECURITIZED. I DID/DO NOT HAVE THEIR FEE TO PROCEED. HOW CAN YOUR ADVOCATE HELP ME? 

... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the California District Bankruptcy Court XXXX XXXX XXXX - they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXXXXXX  So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 

XXXX report submitted by phone ref # XXXX XXXX : U.S. Bankruptcy Court, date filed XX/XX/2013, reference # XXXX Equifax : US BKPT CT CA XXXX XXXX, date filed XX/XX/2013, reference # XXXX XXXX : XXXX, date filed XX/XX/2013, reference # XXXX See attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: NV

Complaint narrative:
These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the California District Bankruptcy Court XXXX XXXX XXXX - they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 

XXXX report submitted by phone ref # XXXX XXXX : U.S. Bankruptcy Court, date filed XX/XX/2013, reference # XXXX XXXX : US BKPT CT CA XXXX XXXX, date filed XX/XX/2013, reference # XXXX Experian : XXXX, date filed XX/XX/2013, reference # XXXX See attachment

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
My complaint again about ServiceMac LLC. 
I received a letter from them that my mortgage transferred again back XXXX XXXX XXXX XXXX which is essentially part of ServiceMac. 
My account was just transferred in XXXX and not it back again. 
I don't have access to my new account to make a payment or paid it off which casing a financial loss estimating at {$500.00}. 
I believe ServiceMac discriminate against me because of the numerous complaint I filed against them which is a violation of the Federal Law.

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX, 2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Someone unknown hacked into my credit accounts with the XXXX Credit Bureaus, lifted the freezes I had in place, changed my username and passwords and email address so only they could access my accounts. They then stopped XXXX mail delivery to my address and set up a bogus XXXX XXXX XXXX account to control access to delivery information about my mail. 

They then tried to get a XXXX XXXX XXXX XXXX XXXX with my identity information and credit report information. 
I was able to get my credit reports frozen again with XXXX and XXXX after much work. But Experian was completely unresponsive and unhelpful. I could not even get access to live agents to explain my problem unless I pretended to be a XXXX XXXX from overseas ( Automated phone system will NOT give you a live agent. ) I am still not certain this unknown party can not still access my Experian Credit Account. 
I made reports to XXXX XXXX, to the XXXX XXXX XXXX MD police ( report # XXXX ) and the XXXX Inspectors ( reports # XXXX and 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 2022-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
I recently purchased a 2014 XXXX XXXX from XXXX XXXX. I put {$2000.00} down and pay about {$400.00} a month. With an over XXXX % interest rate in a 5-year deal. This is my family vehicle I have a XXXX daughter a XXXX XXXX XXXX  son and my wife. A little over 3 months into having this vehicle and less than XXXX miles. This vehicle broke down on my wife at my child 's school. I went and checked it out and the lower control arm is broken the XXXX XXXX is broken I paid a couple XXXX dollars for a tow truck to tow it to my house. The next day I called the dealership they towed it to the dealership and then invoiced me for {$3700.00} in repairs. Told me that I my warranty does not cover it and that it is from wear and tear. Reminder I've had this vehicle for less than XXXX miles and it only has XXXX mi total on it. After arguing and speaking with dozens of Representatives from the dealership. I decided to get it towed to another automotive place that did all of the work for {$2000.00}. I have yet to hear back from the dealership and have not received any compensation of the fact. And the automotive mechanic expert that worked on my vehicle said that my car has major rust damage and I was not notified of that before purchasing this vehicle. I asked the dealership for the inspection paperwork for which I compensated and paid for them to do before I purchase the vehicle and they told me that those files are no longer available. I have pictures of the damage and I have a receipt for what I paid for the damages to be fixed and I have their invoice that they sent me for {$3700.00}. Please help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PatientFi, Inc.
State: HI

Complaint narrative:
I tried to pay my patientfi debt off thats when they told me my loan went to XXXX XXXX XXXX, I started contacting them for about a week starting XX/XX/XXXX. My means of contact were via phone calls. I have called numerous amounts of time and have left multiple voicemails just trying to pay my debt. No one has contacted me back. I do not know my total amount due or even my account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent my letters off about correcting my personal Information and it is still wrong. 

I don't want this on my credit report. 

According to the Fair Credit reporting Act 15 USC 1681, I have the right to privacy.

Also according to 15 USC 6802. 

No financial institution is not suppose to share my information to any third party people. 

These are clear violation of my federal protected consumer rights.

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