vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: NV

Complaint narrative:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

XXXXDate opened has different dates -last reported has different dates - date of last activity has different dates - date of last payment has different dates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

XXXXDate opened has different dates -last reported has different dates - date of last activity has different dates - date of last payment has different dates

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 2022-03-23 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I have been involved in three data brach XXXX, XXXX XXXX, and XXXX. my information have been seen on the dark web and I have fraudulent accounts on my credit report, wrong names, incorrect addresses and denied bank accounts and credit inquiries. I have tried to reach out to the credit braun and creditor as I can't nothing resolve.

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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Yesterday, XXXX @ Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX, phone XXXX or XXXX called me at my cell phone asking for the payment due to XXXX XXXX XXXX XXXX, XXXX of {$430.00}. I told him I didn't owe them anything and I didn't know XXXX. I also asked XXXX which property address owing that such amount. He gave me one address in Texas. I told him I never lived in Texas my whole life. XXXX XXXX, this account under my name will be closed because it's a mistake. I also told him I reported a fraud to XXXX but also I wrote Convergent a letter explaining I don't know them or owe them anything.

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 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
This is a follow-on to my original complaint cfpb # XXXX I have a mortgage on a single-family home that is serviced by Shellpoint Mortgage Servicing. I am behind on my mortgage payments. 

In XX/XX/2021, I was offered a XXXX XXXX by Shellpoint. Although this was a wonderful opportunity for me to get caught up, the plan did not include any documentation explaining how the amounts were calculated. The amounts required by the plan seemed to be more than what I owed. The plan allowed me to file an appeal. I filed an appeal with three items. In mid-XXXX, I received a response to my appeal that addressed two of the items I listed in my appeal. On XX/XX/XXXX I sent a follow-up email reminding Shellpoint that not all of the items in my appeal had been addressed. 

The new year began but there was still no response from Shellpoint, so I sent another email in XXXX asking them for a response to the third item in my appeal. To my shock and dismay, I was then informed that my repayment plan had been revoked and was no longer valid. 

Shellpoint now refuses to honor their offer, even though I carefully followed the rules that were stated in their offer.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
An account was opened fraudulently in my name. 
Opened XX/XX/2021 XXXX XXXX of {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
An account was opened fraudulently in my name. 
Opened XX/XX/2021 Total Amount of {$510.00}

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 2022-03-23 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:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. - There are two different payment status- Date of last activity is different on all reports. - Date of last payments is different on all repots.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have contacted BoA numerous times for a dispute on unauthorized fraudulent transactions. The first time I was denied the agent told me that it was because of not being able to get ATM security footage. However they agreed that I shouldnt be held responsible for that so they reopened it. After that it was reopened several times and each time would be a different reason or they couldnt give me one. Also it was as if they would deny it immediately because the claim would be closed within the next day or two without it being reviewed thoroughly. I have still yet to be credited back the amount of money taken. It has become an inconvenient and now have gotten behind on bills. I also asked several times to mail out any documents they used to make a decision but I have never received anything. Also there are already allegations against BoA for prepaid accounts being frozen and not crediting money back to accounts that also reported unauthorized/fraudulent transactions. This is a very unacceptable business practice.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am very hurt that I contacted Discover Bank to let them know I had my unemployment the end of last year which is why I had troubles making payments. I have always been on time and keeping my credit card in good standards but Due to covid related reason I had trouble. When I contact discover for any solutions they had for me to continuning doing business. I was told that I enrolled into a special plan where i make {$97.00} as a payment plan and it wasnt going to be closed. Next thing I know Discover closed my account. I am very hurt in this time of the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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

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 2022-03-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have the below inquiries on my credit report. I tried for seceral months to get these removed from all 3 credit bureasu and I keep getting the run around. I did not sign for any of these inquiries XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am very concerned about my current mortgage company PHH mortgage. I have been on the forebearance plan since XXXX of XXXX. XX/XX/XXXX I was given the option for the three month trial payment. I asked PHH if they can work with me on lowering my payment with a modification. It is now XX/XX/XXXX and they just turned me down. They told me they cant qualify me for a modification. I also got turned down by california mortgage relief, because my original loan amount was over the XXXX. I been trying to get help, but PHH has got me in circle. I call them every week, they ask me for my profit and loss statement, I will send all documents, than I would get a notice, that I had sent the wrong items, when I did exactly what the last customer service representative asked me to do. This has been going on for months and months now. I would get transferred to so many customer service representatives that were out of this country. I would hear roosters in the background to the point, the representative from PHH is asking for my acct number 10 times. Now, i am a bad position, because not only will they want me to pay them the XXXX to bring my payment up to date, they wont lower or work with me on my payment. the last representative I just talked to, told me " I better hurry up and make a decision, or foreclose or sell your house. '' PHH mortgage is not helping me at all. They recording saying " Helping homeowners is what we do '' that is not a valid statement. I have been paying this mortgage for 10 years on time. I just needed help. I had to deal with my moms death during covid, i am taking care of a son that has drug addiction issue, and a dad that has no foot, XXXX and I have too many responsiblities. i really feel that PHH had drawn out this process so they can foreclose on me on purpose. They have no sense of urgency to give me an answer. I finally get an answer of NO, sorry after months of trying to get help. I even told them, I could ask my dad to borrow money from his pension, but they never even mentioned, if maybe I can get help. I was under the impressions from XX/XX/XXXX that their intent was to let me keep the home, not to trick me into believing they wanted to help me. no help at all. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I experienced a theft by an account holder named XXXX XXXX a fake real estate investor at Wells Fargo Bank has only return {$400.00} of the {$3400.00} that was fraudulently wired out of my account my a scamming landlord, a report has been filed with police. Ive sent transaction records from my XXXX XXXX  account. I need these funds recovered immediately and Wells Fargo still will not restore all funds.

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 2022-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I decided to try and refinance my original mortgage to add my son just in case anything happened to me it would go directly to him, they said no problem. So we proceeded with the loan application. I chose the quitclaim deed so if anything were to happen to me again it would go to him. I took notice, something was off after the 72 hour hold, we received the quitclaim deed, and my homestead had changed because my son was added. because of that, I am wondering why my son XXXX and I were never informed of the tax change which would change how much the mortgage monthly payment would be. 
They knowingly took for granted to make money and care about use being able to make our monthly payment. I would have never refinanced had we have know or been aware of the deceptive contract practices. 
This company XXXX account manager XXXX XXXX, XXXX XXXX refuse to call or contact me in regards to the quitclaim deed changed. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Below are the following accounts that I've made numerous disputes on and ask to remove these from my credit report. I've reached out to the companies as well and still, they have not responded and it's been over 30 days. I have no knowledge of these accounts and would like them removed from my credit report expeditiously. Due to these items on my credit report, I have not been able to get loans and my family has been facing severe hardship. Also, my credit report has drop significantly. 

XXXX ( account open on XX/XX/XXXX ) Account # : XXXX- {$250.00} XXXX ( account opened on XX/XX/XXXX ) Account # : XXXX- {$89.00} XXXX ( account opened on XX/XX/XXXX ) Account # : XXXX {$19.00} XXXX XXXX ( account opened XX/XX/XXXX ) Account # : {$6300.00} XXXX XXXX -Account # XXXX XXXX ( account opened on XX/XX/XXXX ) Account # XXXX {$400.00}

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 2022-03-23 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: AZ

Complaint narrative:
These inquries are misleading and there is inaccurate information associated with them. There is unauthorized use of my name and likeness, and i would like these 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 2022-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
This is a two-party loan where I am the primary borrower. The second party has attempted to extend the duration and increase the total cost of the loan, without my consent.

The lender never contacted me before allowing an extension of the duration and increased the total cost. At no time has the lender given me no option to agree ( or disagree ) with a change of terms.

Upon becoming aware of the change of terms, I contacted the lender. Their representative of the lender said many things including, but not limited to : 1 ) " there is no primary borrower on a loan '' 2 ) " we can change the terms of the loan without consent of all listed parties '' 3 ) " we won't stop the extension ''

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 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: MD

Complaint narrative:
CENTRAL PORTFOLIO CONT HAS REPORTED TO MY CREDIT THAT I OWE {$920.00} WHEN THIS DEBT WAS PAID TO ANOTHER COLLECTION AGENCY, XXXX XXXX XXXX 

Account number XXXX Collection opened XX/XX/2022 Account type Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Balance {$920.00} CONTACT : CENTRAL PORTFOLIO CONT XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MNXXXX  ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Just reclaim my missing money please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have requested my Lexis Nexis Full File Disclosure 6 times. LexisNexis has sent 2 mailings that contain a URL and a PIN to retrieve my report. The first did not work, I called LexisNexis to tell them and they demanded excessive information, that I already sent in. I gave LexisNexis the information and told LN that the PIN did not work. The representative at LexisNexis said she would send my full report via paper ( hard copy ) to avoid this, yet they sent a NEW URL and PIN and the new PIN does not work either. 

LexisNexis is withholding my information illegally.

Company response to consumer: Closed with explanation