vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: PR

Complaint narrative:
my mortgage was sold to newrez in XX/XX/2023 and since then i dont have communication with them. Its very difficult to make payment, there is always a problem in the website and by phone also. An operator comes out saying that they can not receive calls at this time. In XXXX and XXXX It was very complicated to make payment I had to insist every day more than 10 times daily by phone and website. But this month has been impossible. I am worried that the deadline is approaching, which is XX/XX/2023. My credit can be damaged and also I will have to pay late charges. And that will be a problem for me, be due to the irresponsibility of newrez. I wish you can help me. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remex, Inc.
State: NJ

Complaint narrative:
I received a debt collection letter on XX/XX/XXXX for a debt of {$370.00} allegedly incurred on XX/XX/XXXX at XXXX XXXX XXXX XXXX PA. I do not have a record of visiting a doctors office by that name. Additionally, no request for payment was made at any medical facility. In fact, this is the first time I hear of this alleged debt. Therefore, this is not my debt. 

Additionally, when I called the Remex Inc number provided XXXX the person I spoke with did not provide me their name. I provided them the reference number from the letter and asked me for additional information other than what was listed in the letter. Thats in clear violation of their own disclosure that any information provided can and will be used to collect the debt. They can not accuse me of owing anybody anything without providing copies of the medical services statement or other supporting documentation from the original creditor. 

Last but not least, my right to privacy as a private citizen were materially disregarded by the Remex representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: NC

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 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 2023-10-12 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: 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 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 2023-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I've contacted all companies and have been constantly ignored about this ongoing fraud activity that's being reported on my credit report. The following items are not mines and I request that XXXX, XXXX XXXX & CAPT/SAKS FIFTH AVEN remove immediately. 


The following items are fraudgalent and unauthorized. 


XXXX Creditor XXXX XXXX inquiry date XX/XX/2023 XXXX Creditor CAPT/SAKS FIFTH AVEN inquiry date XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has 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

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 2023-10-12 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: TN

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 2023-10-12 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: TN

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 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 2023-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: WI

Complaint narrative:
There was a net credit account on my credit report from XXXX. This was from a divorce and was resolved and the balance was roughly XXXX. In XX/XX/XXXX, I had a new account added to my credit for {$2700.00} for XXXX XXXX for net credit. This account is not mine and is for a completely different amount from the previous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
this information reported is erroneous/false and damaging to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -VIN- XXXX Salvage Car Totaled and paid off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Hello, my name is XXXX XXXX on XXXX XXXX of XXXX I was in the process of getting a loan and during that process I was scammed out of my money. They hacked my bank account and deposited funds into the account as a credit they also made me withdrawal money and take out XXXX XXXX cards. I was told if I buy a XXXX XXXX card for this amount itll boost my credit score which in return Ill be able to take a loan out for XXXX. When trying to stop the process and get my money back I was told to get XXXX dollars and Ill get back the XXXX that was taken from me. I didnt have the funds because they ended up taking my money and now my bank is charging me an overdraft of XXXX because the withdrawals that were made, my card was in my access and they cant provide me with those funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: LA

Complaint narrative:
I've contacted all companies and have been constantly ignored about this ongoing fraud activity that's being reported on my credit report. The following items are not mines and I request that Equifax, XXXX XXXX XXXX XXXX XXXX XXXX remove immediately. 


The following items are fraudgalent and unauthorized. 


Equifax Creditor XXXX XXXX inquiry date XX/XX/2023 Equifax Creditor XXXX XXXX XXXX inquiry date XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has 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

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Personal information is now incorrect after disputing an inaccurate variation of my address and my actual address was deleted as well. Additionally some personal information is missing.

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 2023-10-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, has 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

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestisgate the completenesss and accuracy of the list of accounts below : 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, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 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 itemsof information other than records of convictionsof crimeswhich antedates the report bureau more than 7 years 15U.S.C 1681s-2 ( a ) ( 1 ) A person shall not not furnish any info relating to a cusumer an person knows or has reasonable cause to belive 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 2023-10-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestisgate the completenesss and accuracy of the list of accounts below : 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, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 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 itemsof information other than records of convictionsof crimeswhich antedates the report bureau more than 7 years 15U.S.C 1681s-2 ( a ) ( 1 ) A person shall not not furnish any info relating to a cusumer an person knows or has reasonable cause to belive that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
PayPal pay in four offered a no impact to credit score application. I completed it and my credit was run without my permission. This is also unfair due to the no impact to score language. I called synchrony bank and PayPal and they both denied the credit pull yet its on my credit report. I was told I had an older PayPal smart connect account which is also not true. This all concerns me. I need the hard pull removed and they cant even find the application. One rep thinks its a PayPal credit application. I even received a letter in the mail and they still deny it,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: UNITED BANKSHARES, INC.
State: MD

Complaint narrative:
UNITED HAS NOT PAID RE TAXES ON MY BEHALF AND KEEP EVADING ME WHEN I CALL. 
TAXES WERE DUE IN XX/XX/2023. 
I RECD A TAX SALE LETTER FROM XXXX LAST WEEK. 
I CALLED THEM THIS WEEK AND WAS TOLD TO IGNORE IT AS XXXX XXXX JUST SEND THIS LETTER TO JUST SEND IT. IT DID NOT MAKE SENSE- WHY WOULD A GOVT AGENCY SEND A LETTER TO ITS PEOPLE TELLING THEM THE PROPERTY WILL GO INTO TAX SALE JUST FOR SAKE OF IT. 
I WAS TOLD TAXES WERE PAID IN XXXX BUT WAS REFUSED TO PROVIDE A PROOF WHEN I ASKED. 
I CALLED NEXT DAY ( XXXX ) AND ANOTHER PERSON TOLD ME THE TAXES WERE JUST SENT THE DAY BEFORE ( XXXX ). FOR {$8300.00}. THE DAY BEFORE I WAS TOLD THE TAXES SENT IN XXXX WAS {$7700.00}, WHICH WAS THE ACTUAL TAX BILL. 
I AM NOT SURE WHAT THESE PEOPLE ARE DOING. I ASKED TO TALK TO SOMEONE IN ESCROW DEP AND WAS TOLD THE LADY IS NOT IN- IS THERE ONLY ONE PERSON IN THE WHOLE DEPT? HOWS THAT POSSIBLE. 
I STILL HAVE NOT HEARD BACK FROM THEM. THEY ARE TAKIN MONEY FROM MY ESCROW AND SENDING SOMEWHERE UNBENKWNST TO ME. 
I NEED HELP PLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: PA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-12 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: PA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: TX

Complaint narrative:
Edfinancial is servicing my student loans, however they currently do not have record of my loans due to the borrower defense case still in pending status. Because they do not recognize I have loans, I have no way of making payments. However, Federal Student Aid is showing my loans accruing interest. This is grossly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am reaching out in regard to my XXXX plan and how my monthly payment was calculated for my student loans. I believe my servicer Nelnet have wrongfully calculated my monthly payment. I had spoken with the Department of Education, and they informed me to follow the self-certification process on XXXX, which I followed and processed back in late XXXX. They informed me that I only needed my 2022 tax returns, which I provided. I called Nelnet and they told me submit my tax documents for them to re-calculate as well. 

I have attached my student loans application and tax return for your info. 

I have waited for months for updates on the recalculation because based off my 2022 tax return, I make less than XXXX which qualifies for the XXXX XXXX monthly payment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I requested a {$400.00} check be sent via Wells Fargo 's bill pay service to my Doctor 's office to pay down my account on XX/XX/2023. The check was sent on XX/XX/2023. XX/XX/2023, I contacted my Dr 's office as they were supposed to have received the check on XX/XX/XXXX and I wanted to make sure it had been received and I found out it had the wrong address listed. At that point I contacted Wells Fargo and requested the check be canceled and a new one issued to the correct address. Later that day I received notification that they wouldn't cancel the check because it had ben cashed that day. I requested and received the proof of payment with the copy of the canceled check. The endorsee on the check is clearly identified as a company other than the doctor 's office the check was made out to supporting that the check was fraudulently cashed. The same day I submitted a claim that the check had been sent to the wrong address and that it had been fraudulently cashed. They denied the claim on XX/XX/2023 because they hadn't made an error when they sent out the check, disregarding the fact that I wasn't saying an error had been made on their part but that the check had been fraudulently cashed. 

I tried XXXXwo more times, on XX/XX/XXXX and XX/XX/XXXX, trying to clarify the information each time but I always got the same response. They didn't make a mistake in sending it out so they won't do anything. Even though the check was fraudulently cashed by XXXX XXXX XXXX. I did try to reach out to them to try and get my money back that way, but they kept asking where I was a patient at and couldn't process the fact that I wasn't a patient with them and they fraudulently cashed a check not made out to them.

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 2023-10-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I am writing to dispute a fraudulent transaction on my XXXX Prepaid account ending in XXXX in the amount of {$7100.00} I am a victim of Identify theft and I did not make these transactions. I was out of country from XX/XX/2023 until XX/XX/2023. When I returned home on XX/XX/XXXX, that is when I discovered I was robbed while I was away. I had my XXXX Prepaid debit card in my drawer, and I also had a book in which I had written down my pin. I have made a police report regarding this incident. I submitted my claim with Bank of America and they denied my claim. I have submitted all documents to help with my claim. I do not believe they did a proper investigation regarding this matter because i did not make those transactions and i certainly don't agree with their decision. 
Their decision to deny my claim has brought many financial issues which i am dealing with such as not being able to pay my bills since this the only source of my income.I am asking Bank of America to investigate this matter and correct the fraudulent charges made on my account to be credited back to my account asap. Thank you very much.

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