vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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: CA

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

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 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XX/XX/20, I contacted Shellpoint  Mortgage Servicing ( NewRez LLC ) to request a reversal of a NSF fee that was due to a banking error. ( The mortgage was ultimately paid in full in the month that the payment was due. ) Shellpoint  's response was anti-consumer. Their requirement was to ask me to engage my bank and request that the bank provide proof that the issue originated in a banking error. This response is anti-consumer because it requires further coordination of the consumer ( waiting on hold, multiple follow-ups with the bank and mortgage servicer ) from an event that was not the fault of the consumer. I believe this is an attempt to make it very difficult for the consumer to recover the fee even if the fee should ethically, morally, and/or legally reversed. This is even more anti-consumer because I did not choose to conduct business with this mortgage servicer, and in fact have had multiple issues with their level of customer service. My loan was sold to this company, which I would much prefer to avoid for the foreseeable future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, JPMCB  CARD SERVICES add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had sent out dispute letters regarding accounts on XXXX XXXX, XXXX to fix the inaccurate information on my credit report. 

1. Late payments were added to one of the closed accounts which the account was closed on XX/XX/XXXX. 

2. The Date of Last Activity on all 3 credit bureaus are reported differently on a closed account. 
XXXX reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX 3. The Date of Last Activity on all 3 credit bureaus are reported differently on a closed account. 
XXXX  reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX 4. The Date of Last Activity of the account is reported differently. 
XXXX reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Deceased owner of the account XXXX XXXX XXXX XXXX in n XXXX. His deceased I'd or ss number is XXXX XXXX XXXX. He is also a business owner of XXXX  XXXX XXXX and XXXX XXXX XXXX .he is the owner of these financial institution. Ok .not a shareholder, but the ein irs employer tax payer too the business, in this text. I am write regions Bank ask, is XXXX XXXX XXXX is a owner of this company and do he have any account, too his name or ss number in this bank. Do he have any account or ownership on this bank. Check ya record, operation agreement too see if he owns this bank too or made me the beneficiary too the bank or a bank account. He could own both the bank and has a bank account in the bank too cleck both .I believe, if all of this is so .please give me cpa accounting,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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:
This account was closed on XX/XX/XXXX XXXX XXXX - XXXX XXXX  XXXX Last reported XX/XX/XXXX {$4900.00} Reported balance Credit limit {$4500.00} You're using 111 % of your account 's limit OVERVIEW Credit limit {$4500.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 4 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$4900.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: IL

Complaint narrative:
This account was closed on XX/XX/XXXX XXXX XXXX  - XXXX XXXX  XXXX Last reported XX/XX/XXXX {$4900.00} Reported balance Credit limit {$4500.00} You're using 111 % of your account 's limit OVERVIEW Credit limit {$4500.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 4 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$4900.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX USA ( 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 explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: MD

Complaint narrative:
On XX/XX/2020, I was notified that a collection agency had placed a collection on my credit report. The collection account was opened due to an outstanding medical debt that I'd received for stitches. However, I can not incur medical expenses as I am a XXXX veteran with an above 30 % rating and covered by the MISSIONS act. 

I contacted the collection agency, Consumer Adjustment Co, around XX/XX/XXXX about a mistaken medical debt from XXXX XXXX XXXX. I am a XXXX veteran who is covered for all medical debts, and the origin of the debt was notified that it improperly billed the XXXX  XXXX XXXX. 

I called the collection agency, and they told me that they could not discuss the issue with me and could not resolve it based on me being a XXXX veteran who could not legally be charged with medical expenses pursuant to the MISSIONS Act. All medical expenses are covered due to me being a XXXX XXXX veteran ( with a XXXX XXXX rating ). 

I then called XXXX  in early XX/XX/2020 and opened a dispute. After the dispute was complete, one of the debts was deleted from my credit report, but the other, an identical account with a different account number, remained. 

I called XXXX on XX/XX/XXXX to get it removed the same way the other account was, and they hung up on me once, and then muted me the second time. They did not resolve the dispute and remove the collection account from my credit report and it is still negatively affecting my FICO  score. 

I've attached the letter that I sent to XXXX  regarding the dispute. I also sent XXXX  proof of my XXXX XXXX. I can provide this upon request. I can provide other personal details and report details upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Byrider Franchising, LLC
State: MO

Complaint narrative:
An unauthorized payment was made by cnac  XXXX missouri  when i reached out to ask why they told me the co buyer which had taken over the account was one day late. When i asked why i wasnt contacted beforehand and asked if my card could be charged they had no answer. I told them months ago to remove my card off the account and not to use it for future payment, when they updated the account and the co buyer provided his payment information they said they did and they did not. When they charged my card it caused an overdraft to my bank. I would have never authorized a payment knowing i didnt have the funds available. What they did was theft. I never signed any paperwork for auto pay or reoccuring payment authorization in fact i was told they removed my card and the co buyer who had taken over was the one they would contact for future information or payment and also that in order to process auto pay i had to come in and sign a document which i never signed. They had no permission to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased a health insurance policy XXXX from XXXX XXXX XXXX via visitor coverage online marketplace amounting {$1200.00} which was charges on my Bank of America credit card. I disputed this charge with both merchant and Bank after the merchant failed to provide the service I purchased the policy for - This caused severe medical implications for my parent and had to cancel their trip causing further financial and XXXX losses. Merchant agree to refund the amount but didnt do so and now my bank of america has reverted the charge on my account after initially giving credit for the disputed amount. I tried to establish contact several times but despite no one is helping to revert/refund back the amount. Need help to escalate and settle this and stop suffering from such a pain and inconvenience. 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 monetary relief
Consumer complaint received 2020-12-28 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: PA

Complaint narrative:
HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I reported 5 unauthorized inquiries to Transunion and creditors. 
After more than 30 days of the complaint, neither the creditors nor the CRA have removed these unauthorized inquiries, nor validated them. 

Per FCRA the CRA and the creditors have 30 days to verify or remove the unauthorized inquiries and both Transunion and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.

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 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I have been dealing with Shellpoint mortgage for a whole year. My loan was transferred to them from XXXX. When my mortgage was transferred, my monthly payment went up {$100.00}. I have been working with XXXX XXXX which is a service that is appointed by the state of NC that assists when you are behind in your mortgage. They send in all paperwork for modification and handle all aspects. I had health problems so I fell behind in my payments so XXXX which is my counselor at XXXX XXXX helped me complete my paperwork for modification and sent everything into Shellpoint and XXXX because I was transitioning to Shellpoint at that time. 

The person working with me at Shellpoint initially was XXXX XXXX then it switched over to XXXX XXXX. I was initially told that all of the documents were not received, so XXXX sent them in again as well as updated income documents. 

A few months went by and still no response from Shellpoint in terms of the modification then we were affected by COVID and my whole state shut down. 

I had been talking to XXXX XXXX and she told me that she didn't know anything about the information that was discussed prior to my case being transferred to her. She claimed she didn't even know that we sent everything in and that her point of contact for my file was XXXX XXXX. This company has been giving me the runaround. They did a forbearance on the property but XXXX XXXX didn't even bother to tell me that it was approved. I have sent multiple emails that were never responded to as well as called but I can never get anyone on the phone. In fact one of the few times XXXX XXXX responded to me, she claimed that she called me in the middle of the emails but I was messaging her from my cell phone and my phone never rang. 
I think this company is not doing what they are supposed to in regards to helping the consumer. A modification should have been completed a long time ago because they had all of the necessary paperwork that was sent in by an agency working for the state of NC. 

I have been doing everything in my power to save my home, especially during this pandemic but this company doesn't even want to follow the procedures put out by the government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2020-12-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX, I applied for a credit card with Chase. On XXXX XXXX, they ran a hard inquiry on XXXX. They asked for a copy of my SSN card, which I provided ( twice ) and confirmed with them that they had received. Today, XX/XX/XXXX they ran an unauthorized hard inquiry on XXXX. I did not apply for a second card, I did not authorize the inquiry. I have been trying to get customer support, but they keep bouncing my call, saying they don't have access, there's no manager available to help etc. Chase has to remove this unauthorized inquiry that affects my credit score. Otherwise, I will pursue all legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient keeps giving my wife the run around about providing supporting documentation for her IBR request. They rejected her request FIVE times, each time saying there was no indication of how much of my income was taxable, which is completely false. On EACH of the supporting document, in big bright red text it says how much is taxable. It's completely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
My new loan modification 1st payment was to be set for XX/XX/XXXX. 

The new loan started in arrears with 2 payment due on XX/XX/XXXX. 

I emailed them and they said they did not receive the XXXX payment. I told them it was sent in with my closing paperwork via money order. I had to provide a copy of the money order. Then they found it. But the past due for 1 month did not disappear. 

But then stated that is was due for XXXX. I never received instructions or a bill for the month of XXXX. I was in between trial periods. 

I said I would pay it if it is truly due. I asked for an invoice, Then, they claimed it for a returned payment in XXXX I asked for documentation showing the account number etc. They never provided such documentation. Nor did I make any payment in XXXX as it was paid via a money order. There was no payment to be returned. They lie. 

I have been trying to get this resolved since XX/XX/XXXX. Please remove this fake after the fact charges and all late fees associated with it. 

I wrote them back with this information 16 days ago and I have not heard back. 

If I truly owe the money for my mortgage then give me an invoice! 

Stop changing the story. 

I have all the emails documented -- let me know if you need them

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 2020-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This complaint is about the Lowes ( the home improvement chain of stores ) credit card managed by Synchrony Bank. In 2020, twice I have paid off my account balance in full ( XX/XX/2020 and XX/XX/2020 ). But Lowes/Synchrony Bank refuse to issue a statement that reflects my payment. Twice I have had to demand some sort of documentation that their records show that my payment has been made. But they tell me " they don't issue a credit card statement if I have a XXXX  balance. '' I think their refusal is a violation of the Truth in Lending Act, because at 15 USC Ch. 41, subCh. 1, section 1631 and 1632, a lender has a duty to DISCLOSE. The creditor must report all transactions during the billing period, and it does not matter whether the ending balance is zero or not. The consumer needs documentation that a payment was processed by the creditor and applied to the consumer 's account, because a payment could be misapplied, stolen, etc. Here is my latest example. XX/XX/2020 was the end of a billing period where I had an {$88.00} balance. I paid off the balance on XX/XX/XXXX, and my payment posted to Lowes/Synchrony Bank and cleared my checking account, all in XXXX. My next billing date was XX/XX/XXXX, but I had a XXXX balance. I think Lowes/Synchrony Bank is required to issue a statement that reports my payment in XXXX, even though the balance was paid to zero. By contrast, if I had BOTH zero transactions AND a XXXX balance during a billing period, then there's nothing to report or disclose.

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 2020-12-28 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:
HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

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