vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX failed to Cease and Desist upon validation of the debt resulting in the foreclosure sale of my property on XX/XX/XXXX located at XXXX XXXX XXXX XXXX. XXXX, Washington XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX dba XXXX XXXX XXXX CALIBER HOME LOANS have failed to provide proper validation of debt and have multiple loan numbers attached to this alleged debt recorded in XXXX XXXX and attached to my credit report. 
XX/XX/XXXX I purchased my home XX/XX/XXXX I refinanced my home During the refinancing of my Home Caliber Home Loans recorded a Deed of Trust on XX/XX/XXXX under loan numberxxxxxxxxxxxx Document number XXXX XX/XX/XXXX Caliber Home Loans recorded a Deed of Trust under loan number xxxxxxxxxxxx.Document Number XXXX. 
These discrepancies were discovered in XX/XX/XXXX in my complaint to the CFPB after Caliber Home Loans failed to apply my payment to my loan under the loan number XXXX. I have been disputing the Fraud in my loan since XX/XX/XXXX. 
After disputing the and sending in documents to CALIBER HOME LOANS INC, they decided to sell my loan to XXXX XXXX XXXX I have since continued to dispute any and all claims to XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. 
This is some kind of FRAUD OR RACKATEERING since all of XXXX XXXX is the legal owner of CALIBER HOME LOANS INC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have a security interest in XXXX XXXX filed in the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a UCC-1 filed on XX/XX/XXXX under File Number XXXX and again on XX/XX/XXXX under file number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : 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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
I received a letter in the mail on XX/XX/year> from a debt collector for my mortgage company, Watermark Capital Inc., dated XX/XX/year>, stating that they had not received my mortgage payment for {$630.00} due on XX/XX/year>. They asked for immediate payment of {$660.00} which included a late fee of {$31.00}. I immediately contacted XXXX XXXX XXXXXXXX who pays my mortgage payment automatically every month on or before the first day of every month. B of A confirmed that Watermark had cashed the check and the funds were deducted from my account on XX/XX/XXXX. They are in the process of sending me a copy of the cashed check which they said should arrive within XXXX XXXX XXXX 
I immediately printed out documents including the B of A check number and date from their online banking portal and uploaded them to Watermark 's servicing division website on XX/XX/XXXX. I then followed up with a telephone call to Watermark on XX/XX/XXXX. I was told by a supervisor that they needed a copy of the cashed check and it would take XXXX XXXX  to do a payment search. I asked them to expedite the search which seemed like an unreasonably long time to wait for an answer and they refused. I have also been a customer of Watermark Capital for approximately XXXX XXXX and have never made a late payment. I was extremely unhappy that they chose to give this to their debt collector and reported a late payment to a credit agency without giving me ample time to respond.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently reviewed my credit report and found several billing inaccuracies. The late payments listed do not align with my usual 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 non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed my credit report and found several billing inaccuracies. The late payments listed do not align with my usual 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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXXXXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 

XXXXXXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXXXXXX XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 

XXXXXXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX XXXX  before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-10-05 00:00:00
Product: Credit reporting 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:
I recently checked my credit report and seen that there was incorrect and fraudulent information on my report. I contacted these companies to have them removed and here are the companies with corresponding information ; XXXX XXXX XXXX {$350.00}, XXXX XXXX XXXX XXXX {$99.00}, XXXX XXXXXXXX. XXXX {$2500.00}, XXXX XXXX XXXX XXXX XXXX {$3700.00}

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report and seen that there was incorrect and fraudulent information on my report. I contacted these companies to have them removed and here are the companies with corresponding information ; XXXX XXXX XXXX {$350.00}, XXXX XXXX XXXX XXXX {$99.00}, XXXX XXXX. XXXX {$2500.00}, XXXX XXXX XXXX XXXX XXXX {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report 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 explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I disputed this account as inaccurate information and no respond to provide proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
I recently pulled my credit report and saw inaccurate information on my 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 2024-10-05 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Previously, I submitted a dispute regarding inaccuracies in my consumer report, specifically related to the following account : XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX. After a third attempt to formally dispute the inaccurate information appearing on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) regarding the Accuracy and Fairness of Credit Reporting, and 15 U.S.C. 1681s-2 pertaining to the Duty of Furnishers of Information to provide accurate information, I am turning to the CFPB for remedy. Upon reviewing my credit report, I have identified this charged-off tradeline contains numerous inaccuracies which are negatively affecting my creditworthiness. I respectfully request a thorough investigation and deletion of this tradeline based on the following inaccuracies : Please find the complete information attached to this file.

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 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They are XXXX complaints of Bank of America does anyone read someone case anymore and do the works I have evidence they stole from me and are lying to cfpd last time we did a claim fooling the government

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2024-10-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I received a {$300.00} Vanilla Visa gift card in XXXX. Upon receiving the card, I checked the balance and placed it aside. Today, when I went to use the card for a large purchase I have been planning, the card only processed for {$160.00}. Upon checking the balance, it was used on XXXX on XX/XX/XXXX ( not by me ), and then had multiple declined transactions from XXXX and XXXX. I have submitted the claim, but the company estimates it will not be resolved until XX/XX/XXXX. I have tried to call and can not reach a person to chat with regarding the issue. I have not heard from them, and per experiences of my peers, it seems they will make it incredibly difficult to recuperate the lost funds from the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MECHANICS BANK
State: CA

Complaint narrative:
I am receiving daily harassing calls from XXXX XXXX XXXX regarding a debt that they have failed to verify. Despite my requests for proper documentation, they continue to contact me relentlessly, causing significant stress and disruption to my daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Paypal holds cryptocurrency of a extremely large amount that the refuse to acknowledge is on their platform. I can provide not only receipts of the transfer of funds to the account but also proof of the amount in which should be reflected. The account was hacked and the money was moved without permission. When reaching out to them the say there is no way for them to repair the situation because they refuse to acknowledge the funds and receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: IL

Complaint narrative:
I applied for an apartment at XXXX XXXX properties in XXXX, Illinois in XXXX and paid an administrative fee of {$270.00} on XX/XX/XXXX and another {$270.00} on XX/XX/XXXX. 

I paid over {$550.00} collectively in " fees '' to be told we were pre-approved and would have a move in date shortly. After not receiving any communications for over XXXX XXXX  we reached out to XXXX XXXX just to be told we actually didn't have the apartment and none of the fees were refundable. 

On XX/XX/XXXX I received a collection alert on my credit report for {$270.00} and my credit score dropping over XXXX points. 

The collection company informed me this notice was placed on my credit report citing I didn't pay an administrative fee which is totally incorrect. I contacted the company and provided all email snapshots and receipts and I they refuse to correct their mistake.

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