vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I NEED CREDIT REPORT UPDATED AND CORRECTED AND MAILED TO ME I went online to get a copy of my credit report and credit score. I was told to call XXXX and give them a reference code of NH. Once I had a representative online, they text me a link in which they wanted me to upload my Texas ID front and back and take a picture to verify my identity. I complied. Then she said that the address they had on file was not my address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX she said she needed me to fax her my 1099, Texas ID, Social Security number, along with a reference stating that this information was to prove my identity and update address. 
Please see attached Confirmation to the fax number given to me by equifax information services. ( XXXX ). I faxed the requested documentation of my Texas ID, My 1099 ( proving my current ) address as well as my social security card.I called back today to check the status of the information I sent and was told by a " supposed '' Office of Consumer Affairs Supervisor ( XXXX XXXX ID XXXX ) that they have not received my information and that my information might have been dis-guarded because it was not the correct information. I explained to her that this was the EXACT information that was requested from me and she said well you need to mail it because we don't have it. When I inquired where my PERSONAL PRIVATE information was that I sent to a " supposed '' secure fax number that was given to me by her equifax representative, She said she did not know. I asked to speak to someone high than her that could assist me with finding out where my PERSONAL PRIVATE information went, as it was supposed to go to them, SHE WAS EXTREMELY RUDE AND UNPROFESSIONAL, she declined and said that she was the highest person that I could talk to. I asked for her supervisor and she said no, she was the highest person. I told her that it was against the law for her not to let me know where my information went and that she was violating my rights not attempting to assist me. She responded by saying that we were going in circles, that she is the only person that I could talk to, there was no one higher than her, then she proceeded to disconnect the call without assisting me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: GA

Complaint narrative:
Upon looking over my credit profile with all 3 major credit bureaus I noticed I had some inaccurate accounts on my credit report. I immediately disputed these accounts on all 3 major bureaus sites, to no avail. I sent dispute letters on XXXX and did not receive a response from neither bureau. I also sent a certified demand to comply letter on XXXX and have yet to receive a response. 

The credit bureaus had 30 days to confirm or delate these items off of my credit report and they failed to do so, even after the demand to comply letter. Im asking that all 12 accounts be removed from my 3 credit reports immediately. 

The inaccurate information/accounts are : XXXX XXXX Account # XXXX Date : XXXX XXXX. Department of EducationXXXX Account XXXX XXXX Date : XXXX XXXX. Department of EducationXXXX Account XXXX XXXX Date : XXXX XXXX.Department of EducationXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX. Department of EducationXXXX Account XXXX XXXX Date : XXXX XXXXDepartment of EducationXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX. Department of EducationXXXX Account XXXX XXXX Date : XXXX XXXX. XXXX Account XXXX XXXX Date : XXXX XXXX. XXXX  XXXX Bankruptcy Reference # XXXX Date : XXXX XXXX XXXX Bankruptcy Reference # XXXX Date : XXXX XXXX XXXX Bankruptcy Reference # XXXX Date : XXXX XXXX. XXXX Acct. XXXX Date : XX/XX/2019 Thanks for your time in this matter. Accordingly I await your response.

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 2022-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Received a call at XXXX XXXX XXXX XXXX. Didn't recognize number and let it go to voicemail. A representative from XXXX XXXX XXXX saying I had an outstanding debt of around {$7500.00} including fees for a closed Capital One Mastercard. They gave me an option of paying {$3000.00}. So I gave them my email address so they could send me a form to review and electronically sign. They initially said they were from Judicial Services of XXXX XXXX XXXX After talking with them I called Capital One. I did have a closed account from XXXX that I paid off in XXXX. That was only {$850.00}. I was told by capital one rep that this sounded like a scam. I XXXX XXXXudicial services and there is no such thing. I XXXX XXXX XXXX XXXX and they are not accredited with the XXXX They have negative reviews. The number they called from was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, Social Security Number XXXX I started my mortgage with Shellpoint Mortgage Services XXXX XX/XX/2020. My Mortgage number is XXXX and is for an apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have paid my mortgage on time during all these months, however, I'm having problems with the extra principal payments On XXXX XXXX, I did a Principal payment of {$41000.00}, then on XXXX XXXX another one for {$6800.00}, on XXXX XXXX another one for {$1800.00} and on XXXX XXXX the final one for {$1700.00} In total, I have paid {$52000.00} to the principal. 

However, these payments have been taken out from the system and never applied back, some of them have been applied to interests and others to cover new months payments ( so not all the money is applied to the principal ) All these problems are happening because Shellpoint online software takes the money and starts moving it in and out. In the end, the numbers are not correct. 

I'm having a lot of phone calls and emails trying to solve this issue, however, shell point is denying the help and also not replying to most of them. 

More than one year later, I'm still having the same problem with no solution. 

I'm attaching the following documents as a support * An XXXX chart with the payments done and the correct principal balance I should have today ( {$170.00} ) *A pdf from the Shellpoint software showing how they took my payments out and start moving them without applying again to my principal * An email from them when they confirmed their mistakes and applied some of my payments back, but then their software make mistakes again I have much more emails that I sent them without getting any response from them back if you need them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Since XX/XX/2019 's bankruptcy, mortgage not included, is listed closed on my credit report, even though I have continued payments including huge increased amounts added to monthly payment, my choice of home insurance being paid directly to insurance agency was changed ( without my request ) to an escrow by mortgage holder. I received an email from my password with this mortgage agency and forwarded these discrepancies to their headquarter and the Attorney General 's Office to no avail nor response. To-date, no report of payments since XXXX  is posted to the Credit Bureau XXXX My on-line communication and messaging were frozen and unable to download to view visually.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: OR

Complaint narrative:
Started opening a checking account online, then had to visit closest location because I couldnt go any further online for set up until I physically had the account number or debit card. 
XX/XX/22 went into Keybank in XXXX XXXX, XXXX to finish opening the checking/savings accounts, also possibly mutual funds. I thought everything was on track until my debit card never came, and keybank froze the checking account unannounced, which subsequently affected my direct deposit I had set up, do the funds were sent back. I incurred unnecessary charges because I had to use my credit card to pay rent, and the employer incurred unnecessary charges because the funds were rejected by keybank. 
After a discussion over the phone with XXXX from Keybank about the charges, they refused to take responsibility for the incident. After 3 weeks of pestering him almost every 2 days about the debit card I finally received it after calling the customer service line for the second time in this period. They did finally XXXX  it to me overnight. XXXX had every excuse in the world why it wasnt keybanks fault, and I believe lied to me on multiple occasions about the status of the debit card. It sure is interesting that everything as far as funds for them to look good went as smooth as silk. The funds transfer to there credit card, moving monies from a previous institution to there bank all went without a hitch. KEYBANK had the nerve to tell me, they sent me a letter about freezing my account, I still have not received it. All these debit cards that XXXX supposedly requested before I got mine, youd think they wouldve showed up after 3 weeks, nope. Finally he asked me to send him proof of the unnecessary charges, that he was going to present them to his manager, but no promises. I did as XXXX asked to try to recoup over {$100.00} because of them. Still have not heard a squeak. I have to keep prodding him along to get any kind of answer. Most of the time its just sorry. Ive heard empty sorries so many times now, its a slap in the face more than anything from XXXX, XXXX, and everyone at keybank XXXX XXXX, and online customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: CO

Complaint narrative:
I have tried contacting Experian via email, mail, fax and calling but never get a response. I do not have the PIN to my account and when I try answering the security questions it goes to an error page. The number they have to send me a text is a non working land line. No matter what I do they tell me to go online! I can sign in but can not unfreeze my account. I am trying to get a loan and until this happens, I am dead in the water. I have been hung up on and no one will help. I need them to unfreeze my account and provide me with a new PIN asap.

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 2022-04-20 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: FL

Complaint narrative:
In XX/XX/XXXX, I checked my personal credit report and saw multiple and excessive unauthorized inquiries from XX/XX/XXXX to present. The unauthorized inquires and incorrect information drastically dropped my credit score, and ruined my credit. The incorrect information continues to ruin my credit. As a result, I am unable to obtain goods, products, and services that I would have normally qualified for through my hard work and success. These companies include but are not limited to : 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 XXXX XXXX XXXX XXXX XXXX The unauthorized inquires consist of multiple '' soft credit checks, '' for reasons unknown. I did not have business with most/all of these companies on the dates the " inquires '' were conducted. These inquires compromised my personally identifiable information, credit, safety and security as they were conducted WITHOUT my knowledge and consent. These aforementioned companies checked my credit LONG before I learned I was a victim of fraud in XXXX. I contacted these companies and confirmed they had the incorrect client name, incorrect client date of birth, incorrect client address, incorrect state of residence and more. Who provided my information to these businesses and service providers? Why was I mistaken for ALL these people?

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 2022-04-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I checked my personal credit report and saw multiple and excessive unauthorized inquiries from XX/XX/XXXX to present. The unauthorized inquires and incorrect information drastically dropped my credit score, and ruined my credit. The incorrect information continues to ruin my credit. As a result, I am unable to obtain goods, products, and services that I would have normally qualified for through my hard work and success. These companies include but are not limited to : 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 XXXX XXXX XXXX XXXX XXXX The unauthorized inquires consist of multiple '' soft credit checks, '' for reasons unknown. I did not have business with most/all of these companies on the dates the " inquires '' were conducted. These inquires compromised my personally identifiable information, credit, safety and security as they were conducted WITHOUT my knowledge and consent. These aforementioned companies checked my credit LONG before I learned I was a victim of fraud in XXXX. I contacted these companies and confirmed they had the incorrect client name, incorrect client date of birth, incorrect client address, incorrect state of residence and more. Who provided my information to these businesses and service providers? Why was I mistaken for ALL these people?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: AL

Complaint narrative:
This the 2nd time been denied~ a loan. Was denied access to my credit from this bank. Stating that eye ' don't meet basic credit requirements and that they would be unable to extend credit at this time. This is not a determining factor, of me accessing my credit. In this consumer credit transaction. XXXX, am aware, that eye am the Consumer and Original Creditor and can not be denied an extension of my credit. Pursuant to 15 USC 1611. They are criminally liable for giving me false and inaccurate information, willingly and knowingly. Pursuant to 15 USC 1681 ( k ) denying me access to my credit is an adverse action and under the Equal Credit Opportunity Act qualifies as discrimination. 12 CFR Part 1002 Supp. 1 Sec 1002.4 ( a ) 1.

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 2022-04-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

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 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
XX/XX/XXXX I've deposit {$2700.00} to current while I transfer my money from XXXX  Current has suspended my account while my money was pending on the account today XX/XX/XXXX the deposit went to my suspended closed account which I did not consent so now my money is somewhere and Noone could help me after calling current several times 15 U.S. Code 1693j - Suspension of obligations 31 U.S. Code 3526 - Settlement of accounts 7 U.S. Code 499i - Accounts, records, and memoranda ; duty of licensees to keep ; contents ; suspension of license for violation of duty 4-214. RIGHT OF CHARGE-BACK OR REFUND ; XXXX XXXX XXXX XXXX XXXX RETURN OF ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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 XXXX  Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. have 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 2022-04-20 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

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 2022-04-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation