vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: OH

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking number XXXX ) to EXPERIAN asking them to do a proper investigation and delete these erroneous accounts from my credit report : Account 1 : US DEPT OF ED XXXX XX/XX/XXXX {$5600.00} Account 2 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$3100.00} Account 3 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$3000.00} Account 4 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$1900.00} Account 5 : US DEPT ED XXXX XX/XX/XXXX {$6400.00} Account 6 : U S DEPT OF ED/XXXX XXXX XX/XX/XXXX {$11000.00} Account XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$820.00} Account 8 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} Account 10 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 11 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$6700.00} They stated that these accounts were properly investigated and verified but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and date last reported is not accurate. This is grounds for removal according to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). 

And to add insult to injury XXXX has also violated my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these credit bureaus written permission to furnish these accounts on my credit report. I am requesting that the CFPB hold these bureaus accountable according to the law and delete those accounts.

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 2022-07-12 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: LEXISNEXIS
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX has falsely reported items on my Lexis Nexis C.L.U.E . report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In XXXX we applied for a loan modification through our mortgage servicer Shellpoint Mortgage Services. After many months of calls, emails and misinformation we were denied Struggling financially, we hired a lawyer, and after many months they were also unsuccessful in any regular communication with Shellpoint to obtain a loan mod. 
We had no choice but to begin bankruptcy proceedings because of the fact Shellpoint was unresponsive to our requests. 
We entered XXXX XXXX with the intent of getting a loan mod and stopping any foreclosure action and the Covid-19 pandemic hit and all communication with Shellpoint ceased . 
Any and all communication to Shellpoint went unanswered. 
we opted out of XXXX  XXXX bankruptcy and our lawyer continued to attempt communications with Shellpoint to no avail. 
XXXX of XXXX after years of trying to settle this issue, Shellpoint answers our lawyers request for a reinstatement was answered. Shellpoint immediately put us in foreclosure and set up a Sheriffs sale without our knowledge. Bully tactics. 
Many emails and calls to Shellpoint from our lawyer was met with no replies, inconsistent replies or misleading financial amounts due for reinstatement. 
When asked for a reinstatement amount all Shellpoint could eventually produce was an email with a figure, {$170000.00}. When pressed for an itemized bill and how these funds were to be applied Shellpoint was unable to produce them and still has not. 
Our lawyer told Shellpoints lawyer that we will be willing to pay the past due but need a itemized bill and to delay the sheriff 's sale. Shellpoint again took weeks to reply only to refuse our request days before the Sheriffs sale. 
In order to stop the Sheriffs sale in XXXX of XXXX, we paid Shellpoint the {$170000.00} in arrears, they still have not notified us how these funds were applied. 
Shellpoint has since been unwilling or unable to produce any accurate financial information pertaining our mortgage and is once again ignoring our lawyers request for an accurate monthly payment which was due XX/XX/XXXX. We are now on the verge of a late payment by no fault of our own. 
Our lawyer has been attempting to contact Shellpoint for a month with no reply. Again. 
Shellpoint has shown a pattern of unprofessional, unethical and possibly criminal work practices since we first contacted them. And it continues. 
We are willing to pay them however they can not produce basic financial figures that a mortage servicing company legally has to provide. 

I believe Shellpoint Mortage Services should be investigated for their work practices. 
We just need them to provide accurate accounting so we can pay our mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I contacted by phone customer service and tried to get general account information. I sent in my Identification card as proof of verification. I was still not granted account information. I need to check general account information when I call. I in addition have basic questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
My previous complaint # XXXX, was responded to as if they didn't know what my complaint was about, but I had complained to them twice before. They even indicated that they were unable to contact me. I failed to answer the phone because a voice mail message indicated it was the same person I had discussed the issue with before and I already knew his boiler plate response, " they did nothing wrong ''. In my complaint I failed to articulate my complaint as well as I should have. See letter to Credit Reporting agencies for better explanation. They simple told you that the item I had complained about was not on their credit reports and even provided new current reports, see attachments. However, they were aware, I had complained their service provided, '' Doing business as XXXX XXXX '', had listed my previous loan as late on six ( 6 ) occasions, which is simply erroneous reporting that I had requested they correct but they refused. As of yesterday, XX/XX/2022, XXXX XXXX, XXXXeterans United, are still falsely reporting my payment history.

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 2022-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I reached out to Capital One Auto in regards to obtaining my title to refinance. The company stated there was no title on file. I purchased my car in XXXX of XXXX. I inquired why they would issue a loan if they did not have a physical title. No one knew the answer. I informed them I needed a copy of my title as I am entitled to it, in order to refinance my loan at a lower rate. I contacted them on XX/XX/XXXX and a rep stated they reached out to the car dealership and was looking into it. I called XX/XX/XXXX and a rep stated they have a copy of the title, but it would take some time switching the title from XXXX to XXXXXXXX XXXX. I also did not receive a copy of my loan terms in writing from the dealer of Capital One on XX/XX/XXXX when I financed the car. As of today, there has been no action taken by Capital One. However, I received an acknowledgement letter stating they are aware of my issue. They are dragging their feet with resolving my issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC, for committing identity theft. I have never given LVNV Funding LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with LVNV Funding, LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving LVNV Funding, LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from LVNV Funding, LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding, LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United We Collect, Inc.
State: CO

Complaint narrative:
I had an ambulance  ride on XX/XX/XXXX. I received a bill from the ambulance company on XX/XX/XXXX and I paid the total due on XX/XX/XXXX. Fast forward to XXXX and I got a collection letter saying I owed money. I thought they just forgot to record my payment so when I contacted debt collection company they sent me a whole other invoice ( for the same thing but just charged more now ). I contacted the debt collection company and they said to call ambulance company. Ambulance company won't help me because they said it been sent to collection. No one can explain why the two invoices are different but they all agree its for the same thing. Debt collection company says I " owe it '' still even though the second invoice has been changed to show I owe more.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
they received my personal medical records which is a violation of the hipaa law

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime bank opened a credit card under my name and ssn and now showing as a hard inquiry and opened card but with " XXXX '' as the amount approved. I never authorized a credit check or for a card to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2022-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My service provider granted me a COVID forbearance on my VA loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a 3 month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to 30yr fixed loan. 

However during the 3 months of the trial period, my credit account was reported to the credit bureau as 30, 60 and 90 days late even though all payments were made on time as directed by the service provider. 

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the 30, 60, 90 day missed payments from 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 2022-07-12 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: GA

Complaint narrative:
My service provider granted me a COVID forbearance on my VA loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a 3 month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to 30yr fixed loan. 

However during the 3 months of the trial period, my credit account was reported to the credit bureau as 30, 60 and 90 days late even though all payments were made on time as directed by the service provider. 

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the 30, 60, 90 day missed payments from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My service provider granted me a COVID forbearance on my VA loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a 3 month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to 30yr fixed loan. 

However during the 3 months of the trial period, my credit account was reported to the credit bureau as 30, 60 and 90 days late even though all payments were made on time as directed by the service provider.

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the 30, 60, 90 day missed payments from 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 explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX she called at XXXX am and XXXX am. 
On XX/XX/XXXX she called XXXXpm XXXXpm & XXXXpm On XX/XX/XXXX she called at XXXX am, XXXX am, XXXX PM, XXXXpm, XXXXpm and XXXX PM. I answered and I asked them to not call back to back and she refused to identify herself. She also said she will continue to call back to back because the sheriff needs to pick up the vehicle. Again she doesn't know who I am, and she isn't calling for me. She then tells me to XXXX the number and she hung up. These are just the latest encounters. They consistently call from their personal numbers and they curse and talk very condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: NY

Complaint narrative:
There is an account. Credit card. Which does not belong to me and would like to be removed from my credit report XXXX XXXX XXXX. Account number ; XXXX XXXX This credit card shows in my credit report. It doesnt belong tome

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 2022-07-12 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: NY

Complaint narrative:
There is an account. Credit card. Which does not belong to me and would like to be removed from my credit report XXXX XXXX XXXX Account number ; XXXX XXXX This credit card shows in my credit report. It doesnt belong tome

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: CA

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am reporting this because i have noticed inquiries on all 3 of my credit reports that I have not authorized or done. These inquiries do not belong to me. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXX Experian XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief