vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 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:
I am a victim of identity theft

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 2019-09-10 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 2019-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and I have an account with Cash App that I use to collect funds from time to time. I have by bank account linked to it to withdraw and send money. 

A few weeks ago I lost my phone and have been unable to access the account. At the direction of Cash App I created a new account so they could linked it and provided them the details of the accounts in question. They responded and asked for pics of my ID and myself holding it which I sent as well. Since then they have been entirely unresponsive and I have a significant ( to me ) amount of money locked up in the old account. 

The account I can no longer access is XXXX XXXX and the new account I created at their request is XXXX XXXX  They are holding my money hostage and provided no assistance. There is not even a phone number I can contact them with. 

Please help me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I submitted a complaint XXXX, concerning my home loan being reviewed for foreclosure, because I had been told I could make a payment. I requested the telephone calls be reviewed. On XX/XX/2019, I received a message from XXXX stating Navy Federal claimed I had not submitted the Hardship packet. However, this is not true and I have the tracking receipt to prove the packet was received. I never received a letter or anything concerning my Hardship packet, but I received a letter stating my home was being sold on XX/XX/2019, and people have been texting and calling my phone concerning the sale of my home. I am a XXXX  veteran and I have a XXXX XXXX and I am awaiting VA benefits for XXXX, so the fear of being homeless is affecting me in a horrible manner. Why request I send in a packet and under documentation if there was no intent to assist me. I emailed Navy Federal a copy of the transaction receipt, because I do not feel the information provided to me over the telephone can be relied upon since this last issue occurred. I have no idea if calls were received or update on packet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: NC

Complaint narrative:
Equifax is reporting incorrectly a collection from XXXX for {$3200.00} account number XXXX. ( Please see page attached from my credit report. ) I have also attached a copy of the Receipt from XXXX XXXX XXXX , XXXX., showing a payment of {$1200.00} was received on XX/XX/2019. This payment reflects this account has been settled in full. I was assured that once I made this payment the reporting bureau would delete this line item from my credit report and report a current balance of {$0.00}. XXXX and XXXX are reporting correctly, however Equifax is not. I have contacted the bureau to fix this on my credit report, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: NY

Complaint narrative:
I am a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX, Used XXXX   XXXX Student Loans XXXX Auto Reseller XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX All Banks - non specific XXXX/XXXX Department And Variety Stores - non specific XXXX Personal Loan Companies XXXX   Personal Loan Companies XXXX Personal Loan Companies XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XXXX XXXX XXXX Finance Companies -  non specific XXXX XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
i have been in contact with my lender Shellpoint regarding assistance with my home for quite some time with no results. They have repeatedly given me problems such as losing my documents, losing 3rd party authorizations, and at the end, refusing to request a figures for me to try and keep my home. I reached out to Shellpoint regarding a payoff and have been refused this info.. I was told they cant provide me estimated figures and Shellpoint also refused to order me one. That is their obligation to me. I am in default and in the process of getting a new loan to pay back ALL monies owed to Shellpoint as well as the foreclosing attorney/trustee quality loan. I stated to Shellpoint what my intention was, and they were of no assistance to me. I finally got the APPROVAL DOCUMENTS and now am being told by Shell Point that they do not even want to see the approval. That they do NOT want the money that is owed to them. I spoke to the SPC XXXX XXXX and she stated to send in the approval and that she would order a fresh pay off. It appears that XXXX XXXX was just giving me the run around as I sent the approval and now other Shellpoint employees are telling me otherwise.. I am getting contradicting info from every rep that I speak to. I have spoken to countless reps within Shellpoints institution, including supervisors, and no one has done anything to assist me. ( XXXX XXXX x XXXX was completely rude, Supervisor XXXX XXXX stated that they will not postpone even with an approval, XXXX XXXX x XXXX stated that she WOULD place the pp request and then came back and said she was told she couldnt place it ) I have been given the run around, transferred countless time, and disconnected on. I truly believe Shellpoint is discriminating against me and my family based on my race, ethnicity, and national origin, and that they prefer for me to lose my home instead of giving me the opportunity to keep my home. There is no tangible reason why they would not assist me with the steps needed to prove to them I was getting a new loan. I am requesting a pp of my sale date so that the loan can close, and all parties can be paid. It doesnt make sense that Shellpoint is refusing to have the debt paid off in full.I called the trustee/ Attorney and stated that I have the approval and requesting them to assist me and they stated they can't. They stated I need to deal directly with Shellpoint. I am demanding my sale date be postponed or I will move forward naming Shellpoint and Foreclosing Attorney XXXX XXXX XXXX as defendants in Civil Court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: TX

Complaint narrative:
My FICO scores for the last 3 months have substantially declined, for instance : Experian : XX/XX/XXXX FICO XXXX ; XX/XX/XXXX FICO XXXX ( -90 pts ) XXXX : XX/XX/XXXX FICO XXXX ; XX/XX/XXXX FICO XXXX ( -42 pts ) 1. Experian reported that I had " Serious Delinquencies '' : I have no delinquencies. 
2. XXXX  said that I had " Too many missed payments '' .In the past 5 years, 1 payment was incorrectly reported as 30 days late. ( But the payment had actually been paid and was not filed due to the creditor 's computer error. ) 3. My Annual Credit Report showed my accounts since XXXX with green check-marks monthly ( paid in full ). What serious delinquencies? 
4. FYI : 5 of my credit accounts substantially increased my credit limits based on my history of regular payments. ( I did not request any credit limit increases ) 5. I respectfully request that the credit reporting companies re-examine my credit reports. Tell me specifically what are the negative accounts and I will get the information corrected. 
Thank you.

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 2019-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal told me this message on CFPB case # XXXX : " provide photo ID for the name that was provided at the time of your Account creation, XXXX XXXX. ( End of Quoting ) .... But previously Paypal Told me this message on CFPB case # XXXX : " You will need to withdraw your funds to a XXXX XXXX. '' ( End of Quoting ) ... I actually DID both Paypal requirements, I uploaded my Photo ID and I try to add my XXXX XXXX  ( but my XXXX XXXX  decline or deny due to Paypal GLITCH ) and this a LOOP ... Paypal i am keeping uploading my document and i am keeping adding my XXXX XXXX   several times, can you please FIX your GLITCH or allow access my funds is more than 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: NV

Complaint narrative:
Equifax is reporting fraudulent accounts on my credit file and they are not complying with the FTC.or FCRA 1. XXXX XXXX XXXX XXXX 2. XXXXXXXX XXXX, fraud 3. XXXX XXXX, isnt mine All these account should be removed according to the FTC, FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: NY

Complaint narrative:
I am a victim of identity theft XXXX XXXX XXXX XXXX Automobile Dealers,   Used XXXX XXXX Student Loans XXXX Auto Reseller XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX All Banks - non specific XXXX/XXXX Department And Variety Stores - non specific XXXX  Personal Loan Companies XXXX  Personal Loan Companies XXXX Personal Loan Companies XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XXXX XXXX XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX Credit Unions 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 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have multiple complaints against this company. Hunter Warfield, I received calls daily from many different phone numbers after repeatedly asking them to stop harassing me. I have been threatened and cursed and hung up on. They are now charging me monthly interest on a debt which does not by contract allow, the amount being collected on is incorrect as well. This is in reference to a lease agreement, property which was infested with rodents and pests, windows and doors which were not able to be secured, 90 plus days with no air conditioning, holes in the ceiling, all in violation of the lease agreement and safety and of my health. I submitted all documents to them in proof. I do NOT owe the amount, they also sent me a settlement offer with a deadline which also is in violation of the fdcpa. I have called the property management and they no longer own the property and take no responsibility for the uninhabitable conditions.

Hunter Warfield is violating all of my rights

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a mortgage with Chase Bank The payments are made directly from my checking account on an automatic basis, monthly. 

I want to change the payments to come from another account that I am not an account holder of ; I obviously have permission from the account holder to do this. 

I have this account number and routing number, and could get written authorization from the account holder to do this. 

However, Chase Bank will not do allow a payment to be made from an account that I am not on, even though there is now federal or state law against this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
I paid two payments on my truck loan that have been lost by the bank. See the uploaded documents for full details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 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: DISCOVER BANK
State: NV

Complaint narrative:
XXXX is reporting fraudulent accounts on my credit file and they are not complying with the FTC.or FCRA 1. XXXX XXXX XXXX fraud 2. discover bank, fraud 3. XXXX XXXX, isnt mine All these account should be removed according to the FTC, FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their compnay has on file that was used to verify the accounts I disputed. I requested specific documentation to prove their method of verification, that has yet to be received. Being that they have gone past the 30 day mark and can not correctly verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
My husband been out of work due to medical he just returned onXX/XX/2019 we are behind 3or 4 payments I submitted much documentation as I can trying to get some help and they are refusing to help us it's beyond my control about the payments being made

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 2019-09-10 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: CA

Complaint narrative:
Hello, I got a pre-approval for a car loan with XXXX XXXX approx XX/XX/2018. I went to XXXX XXXX XXXX to purchase a car with my approval, which they said they would accept. They said they needed to re-run my credit to confirm that it had not changed when I arrived and I agreed to them running my credit to verify. During this time, they ran my credit multiple times with multiple banks resulting in multiple inquiries.I am attaching the pre-approval letter I received from XXXX XXXX as well as proof that used the XXXX  XXXX approval for my loan. I never knew of the additional inquiries and never approved them as I was already pre-approved which I did specially to avoid having multiple inquiries. I would like all of the inquiries from XX/XX/2018 removed from my credit report. Thank you.

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 2019-09-10 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: MO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly ( 120 ) days late on the DPT ED/XXXX accounts. ( Please see pages 3 10 of the credit report and spreadsheet of accounts attached. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their compnay has on file that was used to verify the accounts I disputed. I requested specific documentation to prove their method of verification, that has yet to be received. Being that they have gone past the 30 day mark and can not correctly verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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