vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
The NORDSTROM with account number XXXX appears to be a charge-off account with a specific balance of {$2300.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2022-02-24 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 — Problem with personal statement of dispute
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
This company trying to charge me for rental month when i lived at address XXXX XXXX XXXX XXXX XXXX Texas even tho we moved out properly. Gave proper notice 60 days we was moving because my partner at the time was in the derives and had to change military base. cleaned up left house immaculate after we left and they still charged me. Took my deposit and on top of that said I still had to pay another months rent. I refused to pay because it was unfair they turned around and report it on my credit. I contact them tried to resolved send documents of proof and the rejected all responses. So now need this claim to be filled against the creditor for being bias and one sided. I need this removed off my credit asap for I do not owe this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I have requested and received the reinstatement letter indicating the total amount needed to reinstatement of mortgage. The letter includes breakdown of various items. 
The attorneys fees was previously filed in court ( see attached ) as {$6000.00} +. 
However, in the reinstatement letter the attorneys fees is listed as {$8000.00} + See attached ) Nothing else has been done substantially since. 
I am being ripped off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Shellpoint Partners, LLC
State: CO

Complaint narrative:
New -Res Shellpoint Mtg failed to respond to my certified letter sent on XX/XX/2022 to the updated return address. This has also happened in the past. They continue to report inaccurate payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I had private student loans with XXXX XXXX that were sold and transferred to Firstmark around XXXX of XXXX. I am currently in XXXX  school, and some of my private student loans from my undergraduate college loans had run out while they were still at XXXX. I was able to file for extended/hardship forbearance ( NOT COVID-19 related ) over the phone with proof of enrollment data. I was last approved for this in XX/XX/XXXX with Clearinghouse data. I was told Firstmark would be able to check this. I no longer have the secure e-mail from XXXX XXXX 's message center, but I have the e-mail notification that the correspondence occurred ( attached ), and at least one approval notice of this forbearance that I can find if needed. I was assured by XXXX and Firstmark that my hardship forbearance would remain in place until I graduated. This is what is stated on XXXX 's updated student loans website ( XXXX XXXX XXXX/ ) as well. My loans have been consolidated, refinanced, or otherwise modified with Firstmark so XXXX 's terms should still be in place. 

By XXXX of XXXX I received notice that these loans had gone into repayment because there was no standard forbearance time left. When I called and tried to explain that I knew this had been approved for their hardship forbearance with XXXX before the loan was sold, that they should have on file. I was told that " they didn't do that because they weren't XXXX '' and there was " nothing they could do about it ''. I get conflicting information every time I call, and every time I ask to speak to a supervisor or anyone might be able to look up my files I get put on hold/hung up on/told I'd get a follow up e-mail but don't. They keep telling me about what I can do with my student loans under their terms- as if I'd taken it out with them to begin with - when they are supposed to honor the terms I had at XXXX XXXX, including any ongoing forbearance. I have tried calling XXXX to see if they had any records to clear this up, they said they don't have them and that Firstmark should. Firstmark has not made any effort to review my documents or fix this issue and I dont have copies of my hardship forbearance since I filed it over the phone with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$870.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: AZ

Complaint narrative:
These following accounts of DISCOVERBANK with account numbers XXXX and XXXX appears to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust Bank now Truist, went through their transition this past weekend. Prior to this, they informed their customers in writing that all ATMs would be down and they would refund all fees incurred to use a non Suntrust/BBT ATM. I called this morning and after waiting on hold for 1 hour, I spoke to XXXX and she refused to refund the other financial institutions fee for using their ATM. She had the nerve to tell me to contact them for the refund or file a claim. Like what?? She also refused to connect me to a Supervisor because there are none. Now she has me on a silent hold hoping that I will hang up. I work for a larger FI and I know how this works. That other bank is going to send me right back to Truist and im not wasting anymore time. Refund my {$6.00} 2 and the {$3.00} now! Their policy is unfair and deceptive and im sure a major reason for the long wait times. This bank has been XXXX poor for your years but I only remained because ive had my relationship for 18 years. They need to get with the times.

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$0.00}

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 2022-02-24 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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: MI

Complaint narrative:
They had 9 late months on 7 accounts that made 63 late payments on my credit reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I got the loans consolidated now all 7 accounts are closed but still show 63 late payments please remove this its affecting my credit. 

I tried to dispute with all three bureaus and tried sending in letters to XXXX but they all say it cant be changed but the information is incorrect

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 2022-02-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
They had XXXX late months on 7 accounts that made 63 late payments on my credit reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I got the loans consolidated now all 7 accounts are closed but still show 63 late payments please remove this its affecting my credit. 

I tried to dispute with all three bureaus and tried sending in letters to XXXX but they all say it cant be changed but the information is incorrect

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 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I had a dispute for an insurance deposit. But no one is providing me with the service and I wanted it to be disputed and removed from my account. It was decline. After re-contacting the merchant they tell me that there is nothing they can do and the apartment complex isnt helping either. My card company has refused and declined the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX of Inquiry XXXX/XXXX/202

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 2022-02-24 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Moore Law Group
State: NM

Complaint narrative:
The creditor never allowed me the opportunity in writing or otherwise to validate the debt. They moved forward with a lawsuit without allowing me to dispute the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper has added a reserve to my escrow account. Ive requested repeatedly to remove it as per their analysis at no point in the next year will the escrow account actually become negative. And in the event it does, I can pay the lump sum to cure the shortage. 

Maybe instead of harassing me about refinancing with them ( which I would never do at this point ), they could responsibly service my current mortgage. 

I want the reserve removed from my escrow account. By refusing to do so, they are violating UDAAP as this will financially harm me, the consumer. Additionally their lack of action appears to be a violation of Responsible Servicing. I want the reserve removed and the escrow re-analyzed, effective with the XXXX payment. Removing the reserve will likely result in an overage which needs to be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: MD

Complaint narrative:
Experian has failed to verify accuracy of account : XXXX 
Experian have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation of account name : XXXX. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Experian have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. Experian must comply with the law by providing the requested information within the 15 days allowed. 

Account : 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 2022-02-24 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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX of XXXX XX/XX/2020 XXXX of XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I never applied for a apartment a day in my life but they want money from me that I dont owe them Everytime i call somebody answers the phone in a rude tone and isnt trying to help at all. This place is a fraud

Company response to consumer: Closed with explanation