vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage has been reporting discharged debt to all 3 credit bureaus since they purchased the debt asset account. I have made several attempts to get this discharged debt removed from the credit bureau reporting to no avail. This derogatory reporting has harmed me and my business affairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Submitted a dispute to remove XXXX loan items reported by Department of Education in 2021 to credit bureaus all which came back as verified Submitted Consumer Financial Protection Bureau ( CFPB ) complaint Department of Education XXXX XXXX to remove loan information. CFPB received notification from Department of Education XXXX XXXX is not reporting any information regarding student loans to the credit bureaus.

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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Submitted a dispute to remove 3 loan items reported by Department of Education in 2021 to credit bureaus all which came back as verified Submitted Consumer Financial Protection Bureau ( CFPB ) complaint Department of Education XXXX XXXX to remove loan information. CFPB received notification from Department of Education XXXX XXXX is not reporting any information regarding student loans to the credit bureaus.

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 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I originally experienced a hardship due to loss of income due to covid. My original servicer " XXXX XXXX '' placed my account on a forbearance, and later transferred the loan to Selene Finance. I was caling and calling to get the correct amount owed NO RESPONSE. They filed a notice of default. I made trial payments for 3 months, they sent documents for a loan modification. on the loan modification documents they included a balloon payment for XXXX I have asked them for over 4 months how they calculated a balloon payment for XXXX? NO ONE HAS ANSWERED that question. The just keep telling me " underwriting came up with those figures, they are professionals and we are not changing it '' They then asked me to make more " trial payments '' and that they were going to send me new loan mod documents in mid XXXX for a payment due XX/XX/1922. So imagine my surprise when they put a notice on my door that said my home would be sold on XX/XX/XXXX! as early as XXXX i was still communicating with them and waiting for loan documents. Additionally, they included with the loan modification a " balloon payment rider '' that says if the loan is refinanced the " balloon payment '' would be forgiven BUT the language is so ambiguous it doesn't make any sense. They have not responded to my request and instead told me my choice is to pay the reinstatement, pay the loan off, or lose my property. How is it ok for them to make up figures and tell me go for this fraud/lie or lose my property

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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:
the inquiries on my credit profile needs to be deleted.

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 2022-08-26 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: Mercedes Benz Financial Services
State: CO

Complaint narrative:
We took out a loan to purchase the lease. The money was sent to Mercedes financial and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: AR

Complaint narrative:
Discover Card closed my account because they could not verify name name with a 4506T form just prior i was married and not reported new name with IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX BSI Financial purchase my loan from XXXX XXXX for servicing the home loan ; On XX/XX/XXXX while preparing my financial plans, I was notify by another financial institution that my homeowners insurance with XXXX XXXX had lapse and my account was closed due to none payment from my Mortage servicer BSI Financial, XXXX inform me that they have not receive any payment this year ; Upon learning this new found information immediately contact BSI via telephone, Voice messages, and Email no response; knowing this information I went on online to the XXXX XXXX XXXX Tax Collector, my.property taxes has not been service, paid, either by BSI ; I try to reach out again to BSI they are not answering there phone or responding to my inquiries. BSI Financial Service is in violation of the Consumer Financial Protection Act of 2010, the Real Estate Settlement Procedures Act, or the Truth in Lending Act by : Inadequately overseeing service providers resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners insurance premiums.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
since XX/XX/2022, until today XX/XX/2022 I have sent about 30 disputes to Equifax about the unauthorized Inquiries that in my credit report asking them to re-investigate them but I receive the results next day to find that nothing happened i don't know how they can finish investigation in less than 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
I XXXX XXXX herby file this complaint for the following reasons : 1. I signed a voluntary surrender on this vehicle XX/XX/XXXX after store manager XXXX sent it to me and I advised her where vehicle was at the mechanic shop. 
2. I feel treated unfairly as I will now be charged extra fees as a repo although I was in agreement for a voluntary surrender. Which was shady same day she mailed letter she then had it repoed. 
3. My belongings and my husband and children belongings are in their possession and over XXXX miles away I have no vehicle and I'm in an economic hardship and can not drive to get said items they could have called and met me in my hometown before repo to take. 
4. The auction company advised me XX/XX/XXXX if Title Max would give them permission they would be happy to mail our possessions back to my home address. 
5. Title Max out of retaliation refuses to give them permission to mail items back and therefore is impeding on my right to my possessions that I have no vehicle to drive over XXXX mi to retrieve. 
6. I was treated unfairly on several occasions I asked for corporate and or the district manager to call me she never called once! 
Title Max is a company of highway robbery and retaliation and put me in economic harm.

I request Title Max show and display empathy by mailing my property back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: KY

Complaint narrative:
XXXX XXXXXXXX XXXX had the incorrect workers comp information and knew the debt was not mine but sent it to collections anyway. When I was contacted by Choice Recovery, I told them it was a worker 's comp claim and they still pursued the collection. 

XX/XX/XXXX, I was XXXX at work and filed a worker 's compensation claim. I was contacted by XXXX and given a worker comp claim number. 

XXXX XXXXXXXX XXXX began billing me Nine months later. I disregarded the bill thinking it was a way to get personal information and not a legitimate In XXXX, XXXX they turned the bill over to collections. ( Choice Recovery, XXXX OH } I XXXX XXXX received the wrong workers comp number from XXXX XXXX XXXX and wasn't able to file the claim. XX/XX/XXXX. I gave them the correct number and billing address. XXXX XXXX XXXX said they would resubmit the claim and contact Choice Recovery. I followed up with a call about three days later and they said they had contacted Choice Recovery. 

XX/XX/XXXX Choice Recovery submitted the debt to the credit bureau my credit score has dropped XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I get letters and calls frequently about a debt that is not mine. ( company name and logo showing through the cellophane envelope, which is a violation of 15usc 1692b and 15usc1692f ) Sending unsubstantiated claims around in the mail demanding money may be considered mail fraud. It is currently codified as 18.U.S.C. 1341, 1343 and covers both mail and wire fraud. All of my student loans are consolidated and in repayment ( never late/ paid on time ). Pursuant to 15 usc 1692g ( a ) ( XXXX ), I requested the amount of the alleged debt, and how the amount of this alleged debt was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2022, I was scammed on XXXX XXXX by someone who responded to an item I had posted for sale. The buyer claimed she was interested in purchasing my item, and asked if I would accept XXXX for payment. I had used XXXX via Wells Fargo in the past and thought it was safe way to send and receive money. In my correspondence with this buyer, she claimed that she was unable to send me funds because my XXXX account was not considered a business account. She asked me to check my email, where I found a message from who I believed to be XXXX customer service stating that in order to receive my {$250.00} payment from the buyer, I first needed to " verify '' my account as a business account, and that I needed to send a {$500.00} transfer to the buyer, which was going to immediately and automatically be sent back to me along with the {$250.00} my item was listed for. My understanding was that this was to provide proof of adequate funds. Believing this email to indeed be from XXXX, I completed the transaction, not knowing I had been scammed and that I hadn't received the {$250.00} payment ( this was a fake confirmation email ), but that I had sent {$500.00} to the scammer. What clued me in to the fact that this was a scam was another email requesting a second transfer due to not being able to process my " verification '' as a XXXX business account. 

I immediately contacted Wells Fargo to request an interception of this transaction ( case # XXXX ). I was told by the Wells Fargo agent that she could not intercept the payment, but that she would file a claim to request that XXXX investigate it. I also attempted to contact XXXX directly, but was told to contact my bank. I saw that my payment to the scammer was pending for several days, and I thought that was because Wells Fargo had held it because of my call, but was dismayed to see that it was processed three days later. 

On XX/XX/2022 I contacted Wells Fargo again because I had not received any follow up ( case # XXXX ), and was told that there was nothing they could do to help me and that it was not possible to receive my funds back. I am writing to request that CFPB intervene on my behalf to have my funds returned to me and investigate and prosecute as necessary the perpetrators behind this financial scam.

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 2022-08-26 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: CA

Complaint narrative:
I have written several letters in attempt to have a proper investigation performed on my behalf.I am suffering from XXXX and Iam in a severe financial hardships due to the failure of compliance on the behalf of the 3 credit bureaus.Several inaccurate items are still on my credit report after my investigation. 
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and 15 US code1681i ( 5 ) these accounts are in violation of not reporting these accounts accurate.

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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
We took out a loan to purchase the lease. The money was sent to XXXX XXXX and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.

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 2022-08-26 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: CO

Complaint narrative:
We took out a loan to purchase the lease. The money was sent to XXXX XXXX and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: CO

Complaint narrative:
We took out a loan to purchase the lease. The money was sent to XXXX XXXX and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.

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 2022-08-26 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
IN THE ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % THE CREDIT BUREAUS STATED MY ACOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE NOT ACCURATE .THIS GROUND FOR REMOVAL THEY ALSO 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 AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX XXXX XXXX date opened XX/XX/2020 original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Im banking with chime. On XX/XX/22 I paid my rent {$800.00}. On XX/XX/22 XXXX ( Who I pay my rent to ) deposited {$800.00} In my account. I never received an email, phone call or text from anyone at XXXX  or the actual rent office, so I started spending the money. Around XXXX on XX/XX/22 XXXX charged my account for {$800.00}, twice. XXXX is saying they have no proof. So this is when I called Chime customer service and they let me know they did in fact charge my account. ( Conservice is also asking me for proof with my bank ) Ive talked to the people at chime over 5 times and each time they all tell me that they do see the charges and they they are escalating the issue to upper management they told me that I shouldnt have to wait on the ledgers Ive asked and emailed about. I started this process on XX/XX/22 and I still havent heard anything yet. Please help me. Were going to be homeless if I dont get that ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
XXXX XXXX XXXX was hired for a deck remodel. There were two payments issued to XXXX XXXX XXXX  for the amount of {$2300.00} on XXXX and {$4300.00} on XXXX. The contract has been uploaded with the terms of the agree upon work. These two transactions were 50 % deposits to have the work completed by end of XX/XX/2021. 

The contracted work was not completed by XX/XX/2021 and we allowed an extension with XXXX XXXXXXXX XXXX for them to finish the deck by XXXX. The deck was not finished and our good will extension was abused by the contractor. On XXXX as the deck construction had not started, disputes were opened with Discover card as we had used the card to pay the deposit. 

Discover card did not reach out until XXXX when they reached out to state that the dispute had been closed and decided in the contractor 's favor. When asked what documentation had been uploaded by the contractor, only a sales receipt has been provided. We had uploaded a timeline, the contracts, pictures of the uncompleted work, and screenshot of the agreement with XXXX XXXX XXXX  who agreed to refund XXXX back to the card as they have not completed the work. 

XXXX XXXX XXXX did not refund the XXXX and we again reached out to Discover with an uploaded copy of the signed agreement on XXXX after giving XXXX XXXX XXXX an additional 4 weeks to refund the deposit. 

Despite photographic evidence, a screenshot of the signed refund agreement, and contracts outlined the agree to work, Discover has refused to process a refund and requires a signed letter from XXXX XXXX XXXX on their letterhead authorizing them to process the refund. This is an unrealistic and undue burden on the cardholder and represents an effort on Discover 's part to skirt the work and effort required to protect the cardholder to small claims court. 

Based on our experience, Discover 's dispute center does not protect the cardholder and we are unsure as to what benefit it can provide for a cardholder. We uploaded a picture of our unfished deck and Discover 's response was that a picture is not proof. When asked what they require for proof of unfinished labor, they were unable to provide an example and refused an offer to have an agent drive to our home and view the unfinished work for themselves.

Company response to consumer: Closed with explanation