vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
In the XXXX XXXX XXXX I worked with my XXXX XXXX insurance agent to change my homeowners insurance plan. The agent said this plan would take effect in XXXX and that I would see a decrease in the monthly premium and therefore a lower mortgage payment. Fast forward to XXXX and my monthly payments went up ~ {$30.00}. I used New Rez 's webform to inquire as to why this happened and have followed up twice, but in the past 6 weeks have heard nothing. I hate using this medium to get answers out of them but it seems to be the only way to get them to answer questions. 

I'll also add in that in early XXXX  New Rez failed to pay my insurance company ( from my escrow account ) in XXXX resulting in my insurance company threatening to suspend my insurance. Then New Rez ended up telling me they were going to take out a policy on my house themselves and charge me for it all due to their own inaction. 
( XXXX  this second one has been resolved ( XXXX XXXX  got New Rez to transfer the payment ) but I'm including it as, lacking any evidence to the contrary, I have a sneaking suspicion that it is related to the above )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: AZ

Complaint narrative:
XXXX - received an unsolicited card from Netspend - XXXX XXXX XXXX- XXXX, TX XXXX. I tried to call the company ( XXXX ) but the automated system hung up on me. I do not know how they received my name / address and I am concerned with Identity Theft. I wish to report this as an unsolicited communique.

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 2022-08-26 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: MS SERVICES LLC
State: NV

Complaint narrative:
On XX/XX/2019 MS SERVICES LLC added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA MS SERVICES LLC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: WA

Complaint narrative:
Had a loan XXXX XXXX XXXX. They agreed to remove the late payment I had and it has not been removed.

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 2022-08-26 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: OH

Complaint narrative:
XXXX XXXX XXXX  reporting on my experian credit file I have no known knowledge of this account. I have disputed this account and requested signed credit application with my signature on it, proof of ownership, and they have failed to provide any information to me

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 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollins & McVay, P.A.
State: KS

Complaint narrative:
XX/XX/XXXX XXXX XXXX from Hollins and McVay collection attorney froze my bank account for a debt the was not mine but the joint account holder, my wife. My account is still frozen and today a wage garnishment order was sent to my job for a debt in my wifes name not mine all the while my bank remains frozen. My wife and I called this attorney an employee there stated the answer from the bank was XXXX dollars XXXX XXXX then filed a stay and wage garnishment on me XXXX has yet to receive that stay however my employer has received the wage garnishment order and must answer. My wife who he levied my bank account for doesnt work at my workplace and XXXX XXXX knows this as his company garnished my wages in XXXX  for the same debt, same job same law office. My wife filed a complaint with you all already and was brushed off about it. Lets get this straight per Hollins and McVay today this isnt a medical debt at all as listed in the bank levy or garnishment of wages we were told a returned check. Which is it medical debt or a return check? Were in the process of bankruptcy all the while property taxes unpaid my wife had XXXX again the XX/XX/XXXX and no way to purchase food, medications or pay water, utilities or the like. An accident they said assuming my wife works at my job where they have already garnished me and room to continue as soon as you confirm and believe this guy without really confirmed anything. Again bank levy in my wifes name for a debt thats being sought after only in her name and now an attempt to garnish my wages under my wifes name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Wrong person this bankruptcy doesnt belong to me and I would like it removed

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 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
From XX/XX/2021 to XX/XX/2021 I was defrauded and scammed and led to send XXXX and wire transfer payments of around {$40000.00} to XXXX. I made formal complaints to Bank of America to dispute and rescind those funds. Bank of America wanted official phone records from my phone company XXXX but they informed me they are not able to do so. I made another complaint to reopen the account yesterday and today I was notified that my checking account at Bank of America is being closed due to " business decision. '' Instead of helping me claim the defrauded amount they have chosen to close the account instead. I have mortgage due in XXXX days XX/XX/XXXX and they have locked my money until official account closure in XX/XX/XXXX. I can not access the funds at all for anything. To pay for food, mortgage or anything. Under the Electronic Fund Transfer Act banks should be able to help victims of scammed XXXX bank customers. Please help me.

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 2022-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: IA

Complaint narrative:
In XXXX of 2022, I was in the process of my loss mitigation application, and the mortgage company served me foreclosure papers. This is a blatant violation of the Consumer Financial Protection Bureau regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
Old National Bank sent out two checks in my name AFTER my account was closed. They conveniently stated that the transaction occurred the day my account was closed. The checks were dated for 7 days after my account was closed. Checks were for {$100.00} and {$300.00}. Now recipients of said checks are being charged fees for return check fees. 
ONB just made excuses to fit their narrative

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 2022-08-26 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: GA

Complaint narrative:
1. I have not opened duplicates of any credit card and credit wise shows me multiple opened XXXX accounts and I only appied once and was approved. Then the same with discover I was approved and have multiple inquiries for it also. It shows me having multiple opened accounts and that would be incorrect!!! 

2. I have several inquiries on the dark web as well and have never been on it in my life!

3. I also have never gotten a loan or even applied for a loan at XXXX XXXX, I've been left messages from them also and this wasn't me!!!! 

Please help me my credit has dropped XXXX points today bc this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: IL

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX Rep XXXX who provided me with reference # XXXX on this call Made notice my bankruptcy had been deleted from XXXX file and couldn't understand why XXXX continued to verify bankruptcy with Equifax even after XXXX has deleted it from there own files. XXXX did some research and stated to me XXXX keeps two files, 1 being a VERIFIED file and 2 being a UNVERIFIED file that is unverified historical information. I have reached out to lexisnis several times ( XX/XX/XXXX LAST ) in hopes of correcting this issue even after lexisnex sent me a letter stating they could not verify bankruptcy and had removed it from database XXXX has continued to verify this bankruptcy to Equifax using unverified information. 

UNDER THE LAW 15USC-1681 ( ALL UNVERIFIED INFORMATION MUST BE REMOVED ) So my question to XXXX is how are you verifying this bankruptcy what method/ documents point of source have you used in your investgation to repeatedly verify this bankruptcy with. Equifax after sending me this letter on XXXX XXXX stating you removed it from your files because you could not verify. 

please respond on this platform I have included my personal info so you CAN NOT say you couldn't verify my identity! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX last XXXX SSN # XXXX XXXX XX/XX/XXXX CELL : XXXX EMAIL : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: TN

Complaint narrative:
My card account is locked because someone has opened multiple other accounts in my name and over drafted them. The company, Netspend, is trying to make me settle these accounts that are not mine. They are not helpful and will give me no information on how to fix the issue.

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 2022-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I closed with Guaranteed Rates for a XXXX mortgage on a single family home with my business partner XXXX XXXX, we were joint tenants. I paid the down-payment and the closing costs. There were several deficits with this mortgage. 
XXXX. Guaranteed Rates issued a three party check to XXXX XXXX and XXXX XXXX, my partner XXXX XXXX and myself, XXXX XXXX. The check was cashed without my endorsement. When I contacted XXXX XXXX the Escrow Dept. Manager and XXXX XXXX, there was the perception they were not going to help me. 
XXXX XXXX after cashing the check without My endorsement disappeared without doing any work on the house. Even though XXXX XXXX was aware of what happened back in XXXX, she did not correct this matter. 
XXXX. Even though XXXX XXXX and I were joint tenants on the mortgage, MY NAME WAS LEFT OFF THE POLICY. I was not aware of this until XX/XX/XXXX. I was totally ignored in XX/XX/XXXX when I contacted XXXX XXXX and also when I contacted The Money Source. I paid for this policy with the down-payment. 
XXXX. Funds required that both XXXX XXXX and I signed for the XXXX distributions but XXXX XXXX only delt with XXXX XXXX, it wasn't until all choas broke loose and I was threatened with a mechanic 's lien and a death threat from XXXX XXXX that I demanded what was going on from Guaranteed Rates and XXXX XXXX gave me her information. But if honor was given to me in the first place the funds would not have been squandered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TX

Complaint narrative:
Submitted a dispute to remove XXXX loan items reported by Department of Education in 2021 to credit bureaus all which came back as verified Submitted Consumer Financial Protection Bureau ( CFPB ) complaint Department of Education XXXX XXXX to remove loan information. CFPB received notification from Department of Education XXXX XXXX is not reporting any information regarding student loans to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
I purchased a Vanilla Visa card at XXXX for {$130.00} to make an online purchase. XXXX has customers wait 1 hour before using it. After the wait I proceed to try and make a purchase and my card was denied. I called the number on the back of the card and had a balance of {$0.00}. I called and was told I had a pending charge. I told them I hadnt done nothing except call their number and try and make a purchase. They refused to stop the tranaction and said I would need to wait 90days. After doing the dispute I saw where there are 100 's of complaints regarding other people having the same thing happen to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: HW Holding, Inc
State: IN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has been violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX, XXXX XXXX {$1500.00} is the amount owed. 



XXXX, XXXX XXXX XXXX, XXXX {$1200.00} is the amount owed. 



XXXX XXXX, XXXX XXXX. XXXX, XXXX {$2900.00} is the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: CL Holdings LLC
State: FL

Complaint narrative:
IN THE ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % THE CREDIT BUREAUS STATED MY ACOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE NOT ACCURATE .THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS Jefferson capital systems XXXX date opened XX/XX/2020 original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX phone number XXXX Hi my name is XXXX XXXX On XX/XX/XXXX i found local catering company ( XXXX XXXX ) for making my up coming event happened and total of service charge where {$9200.00} with tax, i paid that with XXXX transaction XX/XX/XXXX {$4800.00} and XX/XX/XXXX {$4400.00} on XX/XX/XXXX or XX/XX/XXXX ( can't say exactly ) i got a call from their company and they told me some story that they are going to file a bankruptcy and they are not able to make my event happened, they suggest me to found other company. About request for refund at first they refused but when i told them they i will take a lawyer to take care situation they give me option to visit them and they will issue refund with merchant and also will give prove letter with signiture that they are confirming that they are not able to make the event happened, but when i visit them they told me that such as they don't have enough funds in their checking account their merchant will be not able to refund money and i will need to contact my bank, i open a disput with citi bank and no one didn't contact me to get prove of trasaction, Citi bank gave me my money back, today i found that my account negative and when i called Citi bank your representative told me that it's some reversal credit back from XXXX XXXX transaction now i am sending you guys prove with receipes and with prove letter with signitured by me and the owner of XXXX XXXX that they confirm that it was their responsibality and they failed to provide a service and they are not able to refund my money back, i am really disappointed regarding citi bank protection services and i am requesting imedently assistance with my citi bank negative balance and with claim, next step i will open case with Consumer financial protection bureau and they will take a look to this situation too. Thanks

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 2022-08-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXXXXXX XXXX has been reporting discharged debt to all XXXX credit bureaus since they purchased the debt asset account. I have made several attempts to get this discharged debt removed from the credit bureau reporting to no avail. This derogatory reporting has harmed me and my business affairs.

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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX All have Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX Open balance {$900.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXX FL XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Utah XXXX XXXX XXXXXXXX XXXX XXXX- Open balance {$450.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXX, Va XXXX XXXX XXXX XXXXXXXX XXXX- open balance {$330.00} Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Nevada 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