vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX account linked to address in police report not mine, XXXXXXXX XXXX XXXX XXXX  XXXX was opened during covid fraudulent late payments poster please removeXXXX XXXX XXXX late payments remove please, charging me late fees, but posting late payments 3 months after due date after extension agreement to make all payments current. 

extensive violations on XXXX XXXX  showing balances, showing late payments and repossession codes on a credit card, after card or account was closed

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX account linked to address in police report not mine, XXXX XXXX XXXX XXXX XXXX was opened during covid fraudulent late payments poster please remove, XXXX XXXX late payments remove please, charging me late fees, but posting late payments 3 months after due date after extension agreement to make all payments current. 

extensive violations on XXXX XXXX  showing balances, showing late payments and repossession codes on a credit card, after card or account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX a XXXX broker price opinion was scheduled for my home in an effort to remove PMI. On XX/XX/XXXX I submitted a formal appeal due to the XXXX  results in which I felt the appraisal received was considerably low. New Rez- my mortgage servicer did not submit this information to the investor XXXX XXXX for review until XX/XX/XXXX. This is unacceptable. I called constantly for updates and they dragged their feet. On XX/XX/XXXX I then re-inquired in a status in which I was given no definitive answer. XXXX XXXX has XXXX days to respond per rules they must follow. On XX/XX/XXXX I call again with no further updates. On XX/XX/XXXX I call again and reopened a formal internal complaint under new Rez case # XXXX, and received a formal response from New Rez. They acknowledged the long wait time and stated an additional 30 days would be required. 
This is unacceptable. New Rez purposely does not let you follow up with the department who handles PMI removal and purposely channels all customer communication to the customer service representatives who can not transfer you, nor relay your message to this department. I have been trying to remove PMI since XXXX and have paid {$180.00} each month since XXXX and request a final decision and response. New Rez purposely dragged their feet and do not allow customers direct access to the correct department in an effort to dissuade further follow up or action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: CA

Complaint narrative:
The company continues to deny that they had accepted payments > 30 and > 60 days, without credit reporting, due to that having been their policy until XXXX. The company accepted payments > 30 days past due for years. From my recollection, the reason that the company accepted payments > 30 days without reporting to credit, was because it was too difficult to track when there was repayment assistance in place. Subsequently, I was reported, out of the blue, XXXX XXXX XXXX days and XXXX XXXX XXXX in 2021, without notice. I spoke to multiple company representatives and the executive offices, and was verbally advised that Discover arbitrarily change their reporting policies. Being that this is a credit reporting issue, and more importantly, illegal, I would really appreciate the CFPB 's assistance in getting these items removed from my and my co-signer 's credit report. My credit report reflects responsible payment history, with exception to this issue. I also see this as a way for the company to continue to hold my student loans at their high rate, due to impacting my credit and hence, affecting my ability to refinance them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of Identity theft. Criminals had all my personal info. through XXXX data breach and on XX/XX/XXXX Criminals swapped my cell phone number to their devices and start frauds under my name. XXXX XXXXXXXX credit card was opened XXXX XXXX, XXXX under my info. and I called XXXX XXXX on XXXX XXXX when I realized the situation after I had my police report on XX/XX/XXXX. The XXXX XXXXXXXX agents told me nothing to worry since they already cancel the fraudulent card. And I confirmed with them repeatedly anyway, every time they assure me that the card has been cancelled and I have nothing to worry. After 1 month or so, I noticed there was a significant balance on my credit report with a XXXX XXXXXXXX credit card. And I start disputing with XXXX XXXX. I submitted documents and police reports to different supervisors since I have to call them over XXXX times about the issue, and every time the different supervisors gave me different requirements. I tried my best to follow and wish they will take care of this issue carefully since I am the victim and it is so obvious. All my other financial frauds with other banks/credit cards have been solved without any problem. But, XXXX XXXX insist I should responsible for the fraud and won't tell me the reason. It has been a very unpleasant experience with XXXX XXXX. It is the first credit card issuer I called to warn the identity stolen and I was assured by their agents, but it turned out XXXX XXXX never take care of it and put all the responsibility on the victim without any reason. 

And I started disputing this fraud on XXXX file number XXXX Data issued XX/XX/XXXX and Experian Report # XXXX on XXXX XXXX with all the supporting documents, but the XXXX/experian did not work this out, they insist XXXX can't remove it since XXXX XXXX doesn't remove it. All the experience is bad and XXXX/experian supposed to be a third party not work for XXXX XXXX, they should have their own investigation and contact me whatever needed to support my case. 

I am the victim and I have all the supportive documents. 

CFPB is the last step I can take to protect my rights, I am the victim and I believe there is justice, one should not responsible for something not done by him. And XXXX credit report significantly hurt my credit score and my financial life, I am looking for law help to protect my own right. And XXXX need to correct the credit report 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 2023-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID

Complaint narrative:
On XX/XX/XXXX I received a letter from my mortgage company, Select Portfolio Servicing stating they're adding PMI to my loan that I've had since XXXX XXXX. I've never had to pay PMI. 
First they add flood insurance to my loan despite a FEMA certificate showing I'm not in a flood plane and it took me more than a year of fight with Select Portfolio Servicing to remove it. Now they're adding PMI to my mortgage and my home has doubled in value. 
Select Portfolio Servicing based in XXXX XXXX XXXX, Utah, ( XXXX XXXX, UT ) XXXX ) are criminals in the mortgage business and will continue to add insurance or any fee they can from their partner companies to steal from consumers. 
They're refusing to remove the PMI which is causing a financial burden and is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/2023 Hard Inquiry made for Company XXXX XXXX XXXXXXXX XXXX XXXX . I did not authorize this at all. I could not get ahold of the company after calling multiple times. 

XX/XX/2023 Hard Inquiry made from XXXX XXXX XXXX XXXX. I did not authorize this at all. I could not get through to the company after calling multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Good Morning, this is XXXX XXXX, hope all is well. 
Last year in XX/XX/2022 someone with the name of XXXX contacted me through XXXX and he said he is a professional investor and he asked that I know anything about XXXX XXXX. He messaged me couple times and I didn't pay attention and then he showed me how I can make money easily with XXXX XXXX if I invest in this specific company which was " XXXX ''. He said I should try with little money then deposit it more in order to see more profit. I believed him, I signed up in XXXX, I desposited first {$100.00} then when couple thousands. And the graph was showing how my money was growing and then I desposited more through coinbase, XXXX XXXX XXXX XXXX. I deposited {$13000.00} and my money was showing that growing very well. My money reached up to {$75000.00} and when I asked the customer service that I want to withdraw they said I can not because I have to deposit more up to {$15000.00} and then I can withdraw. I started cmplaining and emailing but there was no luck. And then I noticed that XXXX XXXX was big scam and I trapped into. I have all the screenshots of scammer conversation and transactions from the beginning that I can provide. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: TX

Complaint narrative:
I suspect Discover student loans are making it difficult for consumers to log in to their accounts as my account never remembers my password, and I need to go through the entire " forget password '' process to regain access to my account. I called a representative a while ago about this and was suggested to change/update my browser but that did not help. I have a password manager that tracks my password but it still does not remember my account, I've even logged out and then tried getting back in a minute later and the system does not remember me. 

This may be far-fetched but if the company is making it more difficult for their consumers to access their accounts then some people may not log in and begin the repayment process or are less likely to review their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Personal information used on credit report inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: PR

Complaint narrative:
I got two accounts on my Experian report showing up as charge off, this information is inaccurate and violating my rights i wants this accounts remover from my report, this has been affecting me without me knowing for two years and has made my quality of life more difficult by my rights being violated and wrong information being reported. 

Account # XXXX Experian XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount - Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX Account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$14000.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX these accounts keep showing as charged off on my report when that is not current or accurate.

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 2023-02-12 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I paid the balance and the status was supposed to be updated to settled I full. XXXX is still reporting a balance of {$240.00} which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2023, I received multiple emails saying new account was opened under my name at Bank of America. I dont have any checking or savings account at Bank of America . I called Bank of America fraudulent activity number and was told that they will start investigation. They said they closed this account. I did not receive any other information.

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602A states I have the right to privacy 15U.S.C 1681 section 602A section 2 : it also s a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681 ( a ) 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information any and other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 16812 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602A states I have the right to privacy 15U.S.C 1681 section 602A section 2 : it also s a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681 ( a ) 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information any and other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 16812 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason cause to believe that the information is inaccurate

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 2023-02-12 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: CA

Complaint narrative:
I reviewed my consumer report and saw unauthorized inquiries : XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX  ( XX/XX/2021 ) I request to have these removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: CA

Complaint narrative:
I reviewed my consumer report and saw unauthorized inquiries : XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) I request to have these removed from my consumer 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 non-monetary relief
Consumer complaint received 2023-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Last month XX/XX/2023, I sent you a dispute letter containing the list of accounts and items that don't belong to me but you seem to be ignoring the letters I sent you. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if I receive the correct response.

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 2023-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
I filed a complaint with CFPB in XXXX of XXXX and did not get a satisfactory outcome. CFPB Complaint ID : XXXX I did speak with XXXX from the CFPB on XX/XX/XXXX and she looked at my case. She told me to File the complaint with OCC, FTC Fraud Department and my states AG Office. Since then, I have filed complaints with the Michigan State AGs Office, FTC, OCC and North Carolina State AGs Office. In my filings to the other agencies, I explained of the filing in XXXX to the CFPB and the unsatisfactory response I received from the bank, Flagstar. In each complaint I was told to refile the complaint with the CFPB. I have attached the file with the complaint to the OCC, for more clarity. 
I just want the bank to treat us fairly in this situation, so my attorney advised that I file this one last complaint with the CFPB before we move ahead with a lawsuit.

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