vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with TransUnion, XXXX, and XXXX. ( Please see Image Attached on XXXX Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over XXXX, TransUnion, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately 2. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

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 2021-11-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with XXXX, XXXX, and Equifax. ( Please see Image Attached on 2nd Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over Equifax, XXXX, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately 2. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: NJ

Complaint narrative:
This account was opened fraudulently by a scammer girl I met online. She opened the account without my knowledge and I tried to report identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, inaccurate information about my inquiries is constantly reported on my reports. Therefore, Equifax has not complied 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. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with XXXX, XXXX, and Equifax. ( Please see Image Attached on 2nd Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over Equifax, XXXX, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX Account Number : XXXX Delete it from my credit report immediately 2.Incorrect Information XXXX XXXX XXXX XXXX Account Number : XXXX Delete it from my credit report immediately 3.Incorrect Information XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Hello I have a serious problem which needs your assistance to resolve. This problem started with the XXXX XXXX pandemic around XX/XX/XXXX. The loss of business forced me to close my business and loose my income. 
My mortgage company ( ( Shellpoint Mortgage Servicing ) ) offered the forebearance plan on XX/XX/XXXX. It was very good help and they kept extending it every 3 months until XX/XX/XXXX. At that point, I had discussed starting to paying my monthly payment and make a plan for the {$51000.00} in XX/XX/XXXX. They kept saying they refuse my monthly payment and I am required to make the full $ 51k payment. This was NOT the original agreement. The original agreement was to have a forbearance tacked onto my loan amount, not to have the full balance due upfront!! 

Last time i spoke to my point of contact at shellpoint, she was asking how many payments i can make. i offered a 5 months payment totaling about {$12000.00}. I also offered to come up with a plan to repay what i owe She scheduled a call for us on Friday the XXXX at XXXX. she did not call me at that scheduled time, and she has not returned any of my calls or emails since. 

Due to the pandemic i was forced to miss a payment and they offered me the forebearance plan. I now want to start making my monthly payments and working on a plan how to repay what i owe and not losing my home.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with TransUnion, XXXX, and XXXX. ( Please see Image Attached on 2nd Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over XXXX, TransUnion, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX Account Number : XXXX Delete it from my credit report immediately 2.Incorrect Information XXXX XXXX XXXX XXXX Account Number : XXXX Delete it from my credit report immediately 3.Incorrect Information XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

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 2021-11-25 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2021-11-25 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: TN

Complaint narrative:
XXXX {$740.00} Take off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are constantly reporting on my credit report in violation of federal law. I can still see those accounts that are inaccurate and need to be removed from my credit report. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 completely from my Credit Reports : Late/Closed XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date XXXX : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} ChargeOff XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
I changed insurance companies to take effect on XX/XX/2021 which included a bundle option for my rent insurance. The agent ( XXXX XXXX ) said I was fully paid for until XX/XX/XXXX and I do not owe any money when I purchase my new vehicle and my new policy. I bought the plan weeks in advance and planned on just keeping my current policy instead of asking for a refund from XXXX XXXX as I transitioned to XXXX. The policies I bought were a minimum of 10 days prior and the emails about canceling my policy was to cancel the ( snapshot ) option and to add a different rental policy. I still have all to now.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I lost my Earnest Money deposit due to the Lender company ( Loandepot ) backed out on the closing day after ready to close. 

I have signed a contract to buy a property on XX/XX/2021 and worked with Loandepot lending officer XXXX XXXX ( XXXX # XXXX ) on getting the loan. 
I have submitted all my documents requested by XXXX ( lending officer ) including the litigation document related to the purchase property. 
All the documents were submitted for underwriter approval and we got the approval on XX/XX/2021 ( Loan # : XXXX ). 
As the loan contingency removal was due on XX/XX/2021, I took the confirmation from XXXX and removed the loan contingency on XX/XX/2021. 
On the closing date XX/XX/2021, I was informed that the loan can not be funded for that property due to some reason ( I did not receive any official email/mail stating the reason till today ). 
XXXX informed me on the phone that there's an issue with the property and they can not fund it and her assistant XXXX XXXX informed the sellers agent. 
Seller 's agent issued me a demand to close and gave me 3 days to respond with a clause that I'll be loosing my deposit ( {$19000.00} ) if I don't close the transaction. 

As it was clearly a miss from the Loandepot, I asked XXXX about the options to get my earnest money deposit ( {$19000.00} ). 
She mentioned that she is going to work with her manager and initiate the process to refund my EMD amount {$19000.00} from Loandepot. 
After continuous follow ups, I only received a reply over the phone saying its still in process. 
XXXX promised me to get my deposit back saying it was completely their fault so I started looking for other properties and was working with her again. 
But recently I received a call from XXXX and her manager XXXX XXXX to discuss on the XXXX refund. 
XXXX XXXX ( XXXX # XXXX ) spoke to me and mentioned that he can not do anything about my deposit and asked me stop following up on this matter. 
He was a bit rude and was not ready hear anything that I have to ask or say. 

It was so devastating and I don't know what to do. 
Its a huge amount for me and please help me with this issue in getting my money {$19000.00} back. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge Pite, LLP
State: NV

Complaint narrative:
On Wednesday XX/XX/2021 approximately XXXX an alleged process server XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX [ XXXX ] appeared on the private grounds domicile that of Diplomat ; XXXX XXXX XXXX XXXX. He was demanding to see the likes of a all caps incorporation which he was told did not exist. 

He then went on line on his tablet and showed the cohort of ; XXXX XXXX XXXX a name registered with the County of Clark. He was informed that, that all caps name you pulled up is an Estate Trust, there is no woman or person by that name. As such he the process server was directed to go to the State Dept. of NV and do a search for the PPEHTrust whereas he could find the Estate Trust as proof that was not a person nor a woman but an Estate Trust. 

He did not wear a mask, nor gloves and appeared to be either tired or other. The man XXXX ; XXXX XXXX XXXX attempted to see the documents to see and verify if he was at the correct location looking for the right person, the man said he could not see the document. XXXX XXXX XXXX XXXX then asked him if he had a warrant and he said no, just a court document from XXXX XXXX CA signed by a Judge but no name of the judge was given. 

The man did not produce a warrant and proceeded to attempt to serve documents while he was standing in front of a Trespassing sign posted on the front door. He has breached the peace in his attempt to serve a none existing being corporation all caps straw without proper information or evidence that he had the correct address. 

This man working for a process serving company on behalf of Aldridge Pite , LLP in pursuance of some alleged property was discovered by camera. The grounds on the XXXX has multiple camera angles with strong zooming abilities. Once the XXXX XXXX XXXX XXXX was able to gain access to the property cameras. 

What was discovered was that the all caps incorporation name was XXXX XXXX XXXX with two listed addresses and DMV records from Texas and North Carolina. Please see the photo attached herein. 

When in fact the MRH or XXXX XXXX XXXX XXXX XXXX is not a person listed in XXXX XXXX Record of Deeds and with the State Dept of US and NV. This was told to the process server whom refused to leave the documents but such was copied caught on property domicile cameras. 

The Courts in XXXX XXXX CA does not possess any form of Jurisdiction due to the laws of this land which is the Constitution and Treaties thereof therein. The attempt to claim private paid for in full property was an attempt to scare place fear and move emotions to gain access to private property. 

Now XXXX XXXX XXXX is claiming to be the XXXX title owner or debt collector with a Judges signature on a document they will not serve the Claimant herein known as XXXX XXXX XXXX XXXX as the property is within the XXXX 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 2021-11-25 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: NV

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation