vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
**THIS US NOT RESOLVED***Shellpoint took my unapplied funds of {$1600.00} and applied to my partial claim without my knowledge. I made that payment in XXXX for XXXX payment however I couldnt come up with the remaining. I called Shellpoint and was able to get one more month of forbearance and a partial claim. I asked my csr rep numerous times what happens to my money I already sent she advised it would remain in unapplied. Well the partial claim is filed and without my knowledge they took the money I had towards my mortgage payment. XXXX XXXX the rep is lying and I have asked for all the phone calls we discussed as they will not provide for me. I discussed this with her a number of times before I even decided to file a claim. I would never ever did this the point was to catch up on my bills. Not to use money I have towards a partial claim what would be the point. They are taking my money they did an error and needs it to fixed. My mortgage is paid in full but they arent applying it correctly. I want all the phone calls I discussed with her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: VA

Complaint narrative:
There are people listed as family members from XXXX Ohio on my page and it also reports that I lived in Ohio. I have been through Ohio in passing, but ever to live in that state. 

This is most likely from Identity theft that I am seeing. I do not know how long this will continue but my report but I have asked to get this corrected several times. 

Experian also detailed me as having these connections XXXX and XXXX XXXX XXXX  reported to me that there was an account opened in my name but it was not my account. 

Dark Web Scan has shown me that my SSN and DOB were exposed on the Dark Web several times.

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 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened my credit card with Bank of America in XXXX of XXXX. I made a payment over the phone with rep. in XXXX and gave her my account information. In XXXX, I made an automated payment, however, the payment did not go through because Bank of America 's system had retained and was using my closed bank account detail from XXXX. I had not had an active account with Bank of America since XXXX ( over 14 years ) and they have been retaining my detail and as a result, charged my payment to the incorrect account and then suspended my ability to pay my bills as a result. I am not aware of Bank of America making any attempt to let me know this occurred, unless they did so by contacting my email or phone from my XXXX, rather than the email and phone I would have given them at the time that I opened the account in XXXX of XXXX. 

When I contacted the credit card company, they told me it was my responsibility to apparently know this was their business practice and update this detail that I wasn't even aware was still in their system. 

Had I not attempted to set up online bill pay and instead waited until it was time to make my payment, my payment would have been late and reported to my credit.

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 monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: National Credit Adjusters, LLC
State: MT

Complaint narrative:
the original creditor according to my XXXX  credit report is XXXXXXXX XXXX- which i had fraudulent activity immediately on my account after applying online to this " payday loan '' i had to report and investigate it with my bank account. my bank investigated and for my safety closed my account and reopened a new one. 
National Credit Adjuster LLC bought this debt and refuses to resolve the fraudulent activity and marketing XXXX XXXX caused on my account. I have disputed this on my XXXX credit report with no luck of any resolution. 

original amount is XXXX opened on XX/XX/2019 account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: OK

Complaint narrative:
I noticed a collection placed on my credit report from Choice Recovery/XXXX XXXX XXXX ( now XXXX ). I sent several letters to their collection company, but they never replied to my letters. I was concerned that this was a potential identity theft related file since my identity was stolen multiple times over the years. I was able to finally confirm that was not the case. I have sent several emails to the Office Manager at XXXX XXXX XXXX XXXX but only received one response with a copy of a bill. I also copied several corporate office employees on my emails to her. They are ignoring my requests. I do not think the bill is accurate, since I had insurance and normally paid through my flexible spending account, any copays, deductibles etc. I called their collection agency today and was told that this account was closed and that they are not actively collecting since it is past the statute of limitations. He advised me to pay it if I wanted to. I let him know that I was disputing the amounts. He stated that he did not have any information to send me. I have several questions. If their collection agency has closed the account, they are not actively collecting and it is past the statute of limitations, then why is this still on my report? I am now questioning if XXXX has the correcting information on file as to when this account was delinquent and why is it still reporting. I also am concerned that their collection agency is familiar with my health information. I do not recall providing any authorization for their collection agency to have access to my health information ( per HIPPA ). This account needs to be resolved ASAP. I am trying to do research related to this, but XXXX, nor their collection agency are very helpful. I have offered to do a potential settlement on this since it is so old and I do not know how long it will take to research. XXXX has been nonresponsive. I need to get this resolved ASAP, as I need to get a medical procedure done and will need to get financing to get it done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NV

Complaint narrative:
On Wednesday, XX/XX/XXXX, I contacted Edfinancial and requested a refund on my XXXX dollar lump sum payment I made on XX/XX/XXXX that I am entitled to through the CARES Act. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. On top of this, the phone representative stated that it will take another 150 days after the refund is processed for the balance to be reflected in my bank account, so I am looking at potentially a full year until I receive my money I am legally entitled to. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. This disparity shows a clear lack of respect from edfinancial and perhaps even malintent to try to push refunds until after the payment freeze. 

Not only is edfinancial taking significantly longer to process refunds than other servicers, but they also refuse to send any verification that the refund is being processed and I have no emails or anything to know if they even filed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: CT

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 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 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 explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
Credence Resource management just showed up on my credit reports. Never received anything to dispute dont even know whom this company is. They are not XXXX XXXX compliant. They are violating 15 USC 1681 and 15 USC 1681 e ( b ) in doing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
On XX/XX/22 I received a notice on my credit report that Creditor Aldous & Associates added a derogatory mark to my credit report. I had no idea ny company was out to collect a past debt. I received no documentation of the debt from Aldous & Associates nor had any communication until this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-08 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have no contracts or agreements with CREDIT COLLECTION SERVICES. The company does not have my written consent to use any of my personal information. No consent is Identity Theft. That is a violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I have been in contact around XXXX or XXXX moths send about XXXX emails and about XXXX phone calls. 

This situation is about a lost credit I explained everything in great detail. At XXXX point I was everything has been determined that you are not responsible for any transactions in XXXX of my calls went regarding my new card replacement and more details regarding this situation. I was told as mentioned previously not to worry everything has been determined youre not responsible and you card was ship out. I received the card. 

Later I received a email saying that I was advised you are. I response and front that point forward. I was told that information was escalated. I don't receive any assistance on how to speak or communicate with that department all I received your claim was escalated. 

My last was today see below. 


XXXX XX/XX/2022 In other words is escalated to another department and you can't get them to provide any information regarding this situation or provide me a contact number. 
You refer me to a customer service department that they don't have access to this situation we go back and forth. 

I keep tell you this is very poor service and unprofessional service this is been going on for 4 months. 

You have broken laws pertaining customer protection act. Under many government agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
My lender notified me to upload my insurance policy. I followed the steps provided to upload the documents however my account could not be found on their insurance portal ( separate from the mortgage portal ). I tried calling the lender multiple times however was unable to get through to a person for assistance. On XX/XX/XXXX, the lender purchased insurance for {$600.00} with my escrow account despite my property already having insurance. I tried uploading the insurance policy again and was successful in accessing my account on the insurance portal. It has been 1 week now and I have not received a response. I have tried calling and even sent a message on their website but have been unable to speak with a human.

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