vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I inherited my parents ' home after they BOTH passed in XXXX and XXXX of 2020. They filed bankrupt prior to their deaths and to save their home, they chose NewRez/Shellpoint Mortgage Servicing as their lender. After their deaths, I submitted all required documentation to include : death certificates, loan modification application, pay stubs, letter of qualification ( probate ), and all other forms on numerous occasions via email with no response, reply, or loan modification. For one year, I attempted to make payments ; however, I was blocked from the online system and each time I received a message stating " This loan has a payment stop. '' As a result, I took a picture with my phone and created a folder with those images. I was informed that I could not make payments because my name needed to be on the loan -- -which they never would modify. I also filed a few complaints with the XXXX  ( no resolve ). I have spoken with different Shellpoint associates ( over the last three years ) and consistently gaslighted by this company. Each time, I am assigned someone new who knows absolutely, positively, nothing about my situation. As my sister and I share a father, we are both owners of the property but I manage the estate. However, she filed for bankruptcy which released her from the automatic stay ; however, at this very moment, as a XXXX XXXX XXXX, I am facing homelessness and foreclosure. Shellpoint only sends me statements -- -all that state this is NOT an attempt collect a debt. Shellpoint never asked me to make a payment ; Shellpoint only asked for the above mentioned documents in order to pretend to modify the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
KOHN law firm s.c. mailed me a letter dated XX/XX/XXXX indicating that they will be issuing a wage deduction notice to my employer because of a judgement that they received against me in late XXXX. However, I did file for XXXX XXXX bankruptcy protection and received a full discharge of all of my debts in XX/XX/XXXX, except for my federally-backed student loans. Since Kohns assumed loans were non-school-certified personal loans that were granted entirely in excess of my my cost of attendance between XXXX and XXXX, Kohn has no current right to seek wage garnishment against me since the debt that they hold was discharged in my XXXX XXXX  in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: MS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: MS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the 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 non-monetary relief
Consumer complaint received 2023-07-17 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC
State: GA

Complaint narrative:
I currently have an auto loan with Avid Acceptance. I made two payments in the month of XX/XX/2023 ; I paid {$500.00} on XX/XX/XXXX over the phone with XXXX XXXX, and I made another payment on XX/XX/XXXX in the amount of {$350.00} ( not including the {$7.00} processing fee ). These payments are not reflected on my online account. It's showing that the last payment was made in XX/XX/2023, which is incorrect. I have reached out to several representatives via email ( which I have attached ) and I have not received a resolution to this matter. Yes, my payment history has been sporadic lately but as I explained to them I am currently homeless, and I paid {$850.00} last month and agreed to come up with over {$700.00} this month to get this account caught up. I receive daily emails regarding my account. The last email I received from XXXX XXXX was today, XX/XX/2023, and all she did was apologize for it not showing accurately on my end, but stated that it is showing correctly on their end. She offered to send me a print out of my account history, but I'm not accepting that because I have no idea if this with be something randomly typed up by Avid Acceptance. They are more concerned about obtaining more money from me as opposed to ensuring that the balance online is correct. So right now I have inaccurate data as far as my loan balance, pay off amount, etc., and I do not feel comfortable paying them any more money until this issue is resolved and will not do so. I look forward to a swift resolution to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: Concord Servicing Corporation
State: TX

Complaint narrative:
A financing Agreement was signed and dated XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX which is named XXXX XXXX with XXXX XXXX ID XXXX with a corporate address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX California XXXX, XXXX as financier. In Exhibit A under the Authorizations section of the Financing Agreement ; NO is checked stating that XXXX XXXX XXXX XXXX  XXXX XXXX is authorized to investigate the members credit history. We never provided them with a social security number either. 
We were contacted by Blackwell Recovery, located at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, AZ XXXX communicating as a debt collector for XXXX BY XXXX XXXX XXXX They state in their letter that " your credit report will also be updated to reflect a paid account. '' I am at a loss as I was unaware that the US allowed foreign entities to report negative items on US based credit reporting agencies especially since my credit was never authorized to be investigated our social security number be utilized for this transaction on XXXX XXXX XXXX as per the agreement signed in XXXX with jurisdiction in that Country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

The following personal information is incorrect Account Number : NAME : 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 non-monetary relief
Consumer complaint received 2023-07-17 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: NV

Complaint narrative:
15 u.s. code1681 Report containing information solely as to transaction or experiences between the consumer and the person making the 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 explanation
Consumer complaint received 2023-07-17 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: Chime Financial Inc
State: CA

Complaint narrative:
Fraudulent Charge Amount : XXXX Date Transaction/Time : XX/XX/2023 -- XXXX My card was used at a auto dealership in XXXX XXXX florida XXXX I am currently located in XXXX California, I am not consenting to the charges, I do not agree with the charges, I did not make the charges. I have made attempts to rectify this matter with chime about this matter, I have provided chime with supporting documents, along with a police report that I filed. Chime has failed to return the funds, I have past due car payments, past due auto insurance, past due cellphone bill, and credit card payments, I am accumulating late fees, and also facing cancelation. Chime has not been communicating and not willing to return the funds back in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
At the end of 2022, US Bank was advertising a promotion that included a bonus for signing up for one of their checking account products. As I was looking for a new financial institution at the time, I evaluated a few choices and decided this one was slightly superior to the close competitors because of this relatively unique bonus offer. After confirming with multiple customer service representatives from multiple departments ( and repeatedly being promised follow-up ) on multiple occasions that all steps were completed correctly and approved and that the bonus would be posted, absolutely no follow-up has been communicated and no bonus has been posted. Ultimately, I have been far more than patient and fair in both the process and duration of this transaction and believe they are operating in bad faith, hence the need for CFPB intervention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: NV

Complaint narrative:
On XX/XX/XXXX there were 2 unauthorized transactions one for {$32.00} and one for {$85.00} that i did not make one was at a restaurant in texas and one was in California so i dont know why my dispute wasnt approved the time diff is a hour apart so theres no way i couldve made those transactions by the way i stay in Nevada . I tried to rebuttal twice but my dispute was denied twice by chime even though the evidence is clear as day I'm so stressed out about this situation all I want is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

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 non-monetary relief
Consumer complaint received 2023-07-17 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: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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 — Was not notified of investigation status or results
Company: U.S. BANCORP
State: NY

Complaint narrative:
2 fraudulent cards where opened in my name. One is a XXXX business card  and the other is a fidelity credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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