vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I received a notification from ShellPoint Mortgage informing me that they have purchased a lender-placed insurance policy on my condo property at a cost of {$4500.00} ( which is roughly 6 times for the insurance coverage I have personally. The evidence of insurance the mortgage company is looking for is secured and paid for by the HOA. I immediately responded by sending an email with accompanying proof of insurance - which by the way, all HOA provide access for this information through a web site. I received no response. After receiving another two notifications and corresponding email responses, once again, I sent in the insurance verification as instructed. I have left 9 messages, in addition to my emails, for a manager or supervisor to call me back. I have received NO calls as of this date. I have attempted to contact the insurance division of this mortgage company at least 7 times, each time having to disconnect after nearly 150 minutes. When I contact customer service, I am told that customer service has the same problem contacting the insurance division - my last call with customer service was at XXXX XXXX. on XX/XX/2023 ( all calls are apparently recorded ) speaking with XXXX XXXX in XXXX, Michigan. 

Apparently, as a result of failure to acknowledge receipt of evidence of insurance, the mortgage company has increased my monthly payment. My last payment ( for the month of XX/XX/2023 ) fell short by nearly {$70.00}. The company refused to acknowledge the payment ( although paid on time ) and has charged me a late fee of $ XXXX egregious act given the company 's failure to acknowledge or respond at least since XX/XX/2023, when I have evidence of my communications. 


Mortgage Company : Shell point ( a division of newrez ) account # XXXX property address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX You help and support can prevent this company 's egregious acts and fraudulent activities with other consumers. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-07-07 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Discover Card 's dispute department asking that they reverse 3 payments I made to XXXX XXXX in XXXX and XXXX of XXXX explaining that the company strung me along for over a year never providing the service I paid for, which was helping me amend XXXX tax filings to lower my debt. Multiple " case managers '' had come and gone and I couldn't get any help at XXXX with a refund. 

Discover instantly reversed the amounts that day ( {$1700.00}, {$1700.00}, and {$590.00} ) on XX/XX/XXXX and said they'd open an investigation. Then in early XXXX Discover reversed the amounts back! When I called to ask why they said that XXXX never responded to them ( as expected ) and I hadnt provided documention. 
I have since provided Discover a summary of what XXXX put me though, along documentation of emails showing how nothing was ever accomplished only to have them tell me the charges are valid. I've also called multiple times and spoken to half a dozen people in their dispute department who agree that I was swindled and express sympathy only to recieve form letters and emails from Discover refusing to reverse the charges, saying they decided they are valid. I truly don't understand. I am Discover 's customer but they don't want to help me. It's a lot of money and XXXX absolutely did not provide the service promised. I ended up tapping my XXXX to settle my debt. I feel cheated by both companies. It's extremely disheartening and has cost me a great deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
2.The following personal information is incorrect Account Number : ALSO KNOWN AS : 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
Consumer complaint received 2023-07-08 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: FL

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty od credit bureau 's data. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? " " The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live

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 2023-07-08 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$450.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX$330.00} ; XXXX XXXX XXXX XXXX XXXX  : {$530.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$12000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was denied a loan with several times with certain companies that use the credit agency.Clarity Services  has falsified information and also have items over two years old when companies check the report.I was told that they leave the items on there for five years, and Clarity is part of Experian which takes items off after two years.With, XXXX XXXX and XXXX XXXX, they have know information on me as I tried to get it myself.

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 2023-07-08 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: GA

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-08 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XX/XX/2023 Subject : Dispute Reasoning Letter - Request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations. 
As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution. 
Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections. 
I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being. 
Please find my information below for reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Email Address : XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ) or 30 days from this document 's date. Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer. 
I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency. 
Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was thinking about buying a house, so when i check my credit report i found several fraudulent accounts. There were too many for me to dispute at once. So I decided to first dispute the car loan because i'm confused on how someone can open up a car loan in someone else 's name. These are the fraudulent car loans on my account ; Two of the fraudulent accounts were open in XXXX. The first account is XXXX with the balance of XXXX, The second was XXXX XXXX XXXX with balance of XXXX, the third one was XXXX again which was opened in XXXX with a balance of 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 2023-07-08 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: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, on the Chime platform, I linked my father 's XXXX account for a XXXX $ withdrawal. 
On XX/XX/XXXX, Chime put my account on hold for suspicious found on a transferred amount " we identified some unusual activity regarding the amount and / or origin of certain funds which has been posted to your account ''. 
On XX/XX/XXXX Chime requested further documentation which i provided the same day which included my ID and confirming that I did not have a utility bill under my name because i am currently living at my parents '. 
On XX/XX/XXXX no answer received from Chime and same email was sent to their attention. 
On XX/XX/XXXX Chime closed my account not taking into account my attempt to find a resolution to the issue they raised. " after recent review of your account we found that it does not comply with the terms of the deposit account agreement. The account has been closed by Chime and is not eligible for a refund. '' On XX/XX/XXXX I contacted the Chime Member Service asking me to send a photo ID, a bank statement reflecting myself as an authorized user on all external bank account on from the XXXX account. 
On XX/XX/XXXX I sent the document - my photo ID/ the account XXXX on my parents names/ the XXXX statement where it appears the amount transferred. 
On XX/XX/XXXX and XXXX i followed with Chime with emails to received acknowledgment of receipt of my documents and asking for a response. 
Overall i received many automated emails but no one tried to reach me for finding a resolution to this situation. 
End of day XX/XX/XXXX no answer received and no resolution found. 
I found that many clients of Chime have been exposed to similar issues and decided to ask for your assistance for finding a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: Loqbox US Inc
State: MI

Complaint narrative:
Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
i have made various attempts in contacting lowes synchrony bank. They are reporting an account to my credit report that is not mines and i am not aware of either. i never authorize to be on such account and they have failed to remove 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