vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: IN

Complaint narrative:
As of XX/XX/XXXX an alleged creditor by the name CENTAL PORTFOLIO CONTRO is reporting an account on my consumer XXXX credit report in the alleged amount of {$2200.00}. XXXX was in receipt of dispute letter on XX/XX/XXXX @ XXXX EST. There is an alleged original creditor listed as XXXX COMPANIES. Which makes CEBTRAL PORTFOLIO CONTRO a third-party debt collector. This account is not mine nor is any alleged debt mine, nor do I have any contract to do business with CENTRAL PORTFOLIO CONTRO. I have written a certified mail letter to XXXX and the CFO for XXXX to verify the accuracy of the alleged account and alleged debt dated XX/XX/XXXX titled " Notice of Dispute Demand for Validation and Proof of Claim ''. As of XX/XX/XXXX XXXX has failed to provide consumer with any accurate validation in writing pursuant to the Fair Credit Reporting Act, XXXX XXXX. XXXX, I expressed my right to demand that XXXX disclose to me all of the documents they have recorded and retained in consumer 's file at the time of request concerning the alleged account that XXXX is reporting on my credit report. XXXX can not just reply in writing stating that XXXX has verified any alleged accounts without providing the supporting full disclosure documents of how XXXX has verified any alleged accounts or any alleged debts. I have not seen nor received any documents to support CENTRAL PORTFOLIO CONTRO claims, nor any documentation from XXXX for them to be reporting this alleged debt on consumer 's credit profile, which has violated and damaged consumer 's credit worthiness dropping score XXXX points. By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because XXXX was unable to provide the necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
XX/XX/2021 Attn : Very Urgent Please! 

Lender : XXXX, XXXX, Loan Number : XXXX, XXXX Lender/Servicer Address : XXXX XXXX XXXX, XXXX, MI XXXX XXXX : XXXX XXXX XXXX, Cell : XXXX XXXX XXXX Home Address : XXXX Mosticone Way, XXXX XXXX, NV XXXX Dear Sir/Madam : On XX/XX/2021, we submitted a request online to Remove our PMI ( Private Mortgage Insurance, $ 331 Monthly ) since the value of our property had gone up way more to satisfy our lender 's requirement of removing PMI when it reaches an LTV ( Loan to Value ) of 80 %. Today current estimates on our home is at {$580000.00} with XXXX and {$590000.00} with XXXX. Also, recent sales and houses comparable around the neighborhood less or a little more square footage and lot sizes compared to ours have been sold from {$550000.00} to {$620000.00} during the last 90 days. Current Balance owed : {$410000.00}. 

On XX/XX/2021, XXXX, XXXX responded to our request with instructions. However, it took take them more than a month, XX/XX/XXXX to be exact before we received the request form that they said we need to sign with an appraisal check to formalize the request. To make the story short, the signed request form along the {$150.00} BPO check as instructed were returned to them the same day via Priority Mail. 

However, yesterday, XX/XX/XXXX, we received another mail from them stating that our loan is now being transferred to a new servicer ; XXXX XXXX XXXX XXXX with telephone XXXX. 

We are not sure whether this is intentional or a coincidence but this looks very suspicious and perhaps a tactic to delay the cancellation of our PMI. Hence, we would truly appreciate any urgent help you can provide to make this work for us. Since our current Loan Servicer, XXXX, XXXX also stated on their notice transfer letter that the last day they'll accept any check from us will be on XX/XX/2021. Just a few days from now. 

Sincerely, XXXX XXXX XXXX, Tel : XXXX, Email : XXXX XXXX XXXX XXXX XXXX : XXXX, Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX Regions Bank Mortgage Loan Number XXXX XXXX XXXX XXXX Senior Executive Vice President Head of XXXX XXXX XXXXXXXX ( XXXX ) XXXX Regions Financial Corporation XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Tomorrow is XXXX and I am crying. 

I need your agency to dialogue with Regions Mortgage Department as I had agreed to a lengthened mortgage to resume at the same amount but extended in time to cover the pause in payment. It was the only way I could agree to forbearance. 

Forbearance on my mortgage started in XX/XX/XXXX with an interruption of XXXX payments of XXXX in XXXX XXXX. I resumed forebearance in XXXX of XXXX again with my written and verbal communication To Regions of repayment restart at same monthly amount and an extension of when mortgage payment would end. 

Forbearanace ended... 

A snail mail received XX/XX/XXXX stated I owed over {$7000.00} or could declare bankruptcy and go into foreclosure. 


In XXXX I applied over the phone for a forbearance pause to my mortgage with Regions bank. I was clear that the only way I could do this is if, at the end of the pause, I would resume my regular payments and the mortgage would be extended to reflect a longer time to pay with the same monthly amount and rate. 

I continued to believe this was okay when on the phone and by email I continually stated this, verbally and by email, during this period. 

I even interrupted the allotted time with XXXX payments in XXXX and XXXX XXXX XXXX of {$950.00} which was the monthly mortgage payment they agreed to. This acceptance of the monthly amount allowed me to think they understood my understanding and that they agreed to what I could do when the forbearance time was up. 

It was only at the end of the forbearance period XXXX days ago, near XXXX, I got a snail mail stating I owed over {$7000.00} with a caveat I could declare bankruptcy and go into foreclosure. 

I am a XXXX XXXX XXXX XXXX who has worked through many pandemics and currently I am high risk for COVID. I would never have agreed to this program ( clearly stated to Regions ) only to be met with a high payment and the option of bankruptcy and foreclosure/homelessness As a XXXX and prior frontline worker during COVID I am high risk and very clearly stated multiple times both verbally and by emails I could only start forbearance if at the end I could go back to the original monthly payments with an extended mortgage end date to cover deferred mortgage payments. 

I almost ended up in the local ER when I got the surprise snail mail from Regions stating the above. 

Happy XXXX and XXXX but not to me, a senior citizen, XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My request for the correction and removal of the inaccurate information about my accounts has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of the following account that needs to remove Completely from my Credit Report. 
XXXX XXXX XXXX {$0.00} TXXXX XXXX {$600.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXY ( Original Creditor : XXXX XXXX UNIVERSITY ) XXXX {$7400.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX {$3500.00} Date Opened : XX/XX/XXXX XXXX XXXX {$700.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent a complaint letter to Equifax Credit Bureau Last time, and I have not received any response up to this date. On the other hand, the inaccuracies about my Inquiry are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : AA/CBNA Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX. Received a notice from Convergent Outsourcing regarding an amount owed to Florida Power and Light of {$760.00}. 
XXXX. XXXX XXXX called Convergent on XX/XX/2021 to explain that they had the wrong person ; that we have never had an account with Florida XXXXower and Light, and that they should be going after the right individual. 
XXXX. XXXX XXXX asked the representative for the social security number of the individual to see if it matched XXXX XXXX XXXX social. 
XXXX. The rep would not supply any of the numbers for confirmation and insisted we supply the social security number of XXXX XXXX. 
XXXX. XXXX XXXX would not supply since we did not know who we were talking to and what would happen to this information. 
XXXX. XXXX said the call was over since I would not supply the info SHE wanted. 
XXXX. So no resolution to the problem. 
XXXX. Tried to call Florida Power and Light, but met with frustration as they had no real person to speak to, even though this was obvious fraud.

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 2021-11-24 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: NY

Complaint narrative:
These accounts must be DELETED. TransUnion has NOT send ANY PROOF OF VERIFICATION or ORIGINAL DOCUMENTS with SIGNATURE OR ORIGINAL CONTRACT of these accounts. TransUnion is violating my consumer rights by reporting false information on my credit report. 
These accounts below must be deleted. 

1 ) .XXXX XXXX XXXX Account XXXX XXXX Balance : {$1900.00} ( This account is reporting for more than 10 years ) Must be deleted 2 ) XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$9100.00} ( This account is reporting for more than 10 years ) Must be deleted These XXXX accounts listed above Must be DELETED. TransUnion is reporting these accounts for almost 10 years now on my credit report. I have sent multiple documents in mail to TransUnion showing that these XXXX companies DO NOT HAVE ANY ACCOUNTS on file with my name on it or any documents with my signature on it. TransUnion must Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years now. By LAW, the credit bureaus are only allowed to list negative items for a certain amount of time. These accounts MUST BE DELETED NOW.

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 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I applied for a refinance mortgage at Rocket Mortgage XXXX/XXXX/2021. After speaking to a representative I was advised to fax bank statements and income documents. I told them taht it was too many documents to fax. I was given a street address to send the documents now they can not find them. I sent the documents via XXXX and they were received by Rocket Mortgage. XXXX/XXXX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have sent my letters in well over 30 days and the bureaus have not validated debt as stated in my disputes. I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
Capital Accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Capital Accounts called for someone I know personally. However, neither of us have provided Capital Accounts with any contact numbers including the number Capital Accounts called that is considered " XXXX '' and is not given to just anyone. 

When I spoke with XXXX other Capital Accounts Repetitiveness including XXXX, they refused to disclose how they obtained my " Private Number. '' XXXX also refused to verify the address I provided here and further refused to provide actual address of Phone Number XXXX by stating he found " No Outbound Call '' which came to my " Private Number '' and is how I obtained the phone number XXXX as Capital Accounts. 

FCC Complaint # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. My request for the removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXXXXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX  Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS THAT ARE STILL REPORTING ON MY ACCOUNT. 
XXXX XXXX XXXX ***** Opened XXXX XXXXXXXX XXXX Balance {$0.00} XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX ***** XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX ***** Opened XXXX XXXX , XXXX Balance {$0.00} XXXX XXXX XXXX ***** Opened XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have sent over 3 rounds of letters to the bureaus and they are not responding in a timely manner, it has been well over 30 days and I have not received anything back. They also are violating FDCPA section 807, as this is leading false reporting.

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 2021-11-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have sent over 3 rounds of letters to the bureaus and they are not responding in a timely manner, it has been well over 30 days and I have not received anything back. They also are violating FDCPA section 807, as this is leading false reporting.

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 2021-11-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have sent over 3 rounds of letters to the bureaus and they are not responding in a timely manner, it has been well over 30 days and I have not received anything back. They also are violating FDCPA section 807, as this is leading false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I, XXXX XXXX applied for and was approved for Citibank Mastercard. I applied with my name, my birthdate, and my social security number. However, the approval came back with the first name, XXXX, which is my husband 's name. I registered the card online, with my social security number, and it already hit my credit report for the inquiry on the card. The company refuses to speak to me, because my name isn't XXXX. I have faxed in and e-mailed in copies of my social security card and driver 's license to prove my identity and they still refuse to fix the problem or speak to me regarding the account. I am very upset because they gave out information on my account to my husband, XXXX, which they should not be speaking to him about my account. The offered him to close the account, my account, that's attached to MY CREDIT 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 2021-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I met a woman online and she indicated that she was traveling to XXXX to assist in the treatment of COVID-19 patients. 
After various text, she informed me that since she did not have a business visa, they could not pay her through their payroll, but they can make payments to a US credit card on her behalf. 
She asked me wether she.can pay the outstanding balance of a secure. 
Credit card I had with TD Bank NA. 
The she started paying my outstanding nance and asked me to return the money she paid to her via gift cards. 
I did not see wrong with that since she was m Paying the outstanding balance on the card. 
The bank subsequently reverse all those payment a dhargex my card with. Approx {$43000.00} six weeks later. 

I feel that I am not responsible for any payments made by the bank after 3 days since the payments were. Made. 

Respectfully Subpmitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
Didn't realize interest rate was that high. 811 %. I did not know it was illegal to offer this loan in NJ.

Company response to consumer: Closed with explanation