vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. These items are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
In XXXX I contracted XXXX and was hospitalized for 3 months where I battled the XXXX and almost XXXX. Because of theXX/XX/XXXX I was out of work and fell behind on my mortgage payments while I suffered from residual affects of XXXX. I went through the cares act Covid-19 forbearance with SHELLPOINT MORGAGE SERVICING for 12 months. In XXXX of XXXX SHELLPOINT MORGAGE SERVICING agreed to a mortification of my loan. I began my trail payments of {$1600.00} onXX/XX/XXXX, and I made all my payments on time each month for the 6 month trail ending in XXXX XXXX. I even made an extra payment of {$1500.00} and {$150.00} and XXXX because SHELLPOINT MORGAGE SERVICING said I was behind and they just held the money in unapplied status to my loan even as of today. I then received a letter on XXXX saying that I am not eligible for the loan modification because I withdrew my request for a loan modification before the evaluation process was completed, which is totally untrue I never withdrew from the modification process. 

SHELLPOINT MORGAGE SERVICING is FRAUDULENT because they lied and said they did not receive my payment and held the funds in unapplied status. 

SHELLPOINT MORGAGE SERVICING is DISCRIMINATORY because the lied saying I withdrew from the loan modification process which I did not because I am an XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I do not know what this debt is ; I disputed the collection debt on the XXXX XXXX and the results were " deleted. '' This collection was successfully removed from my XXXX credit report ONLY. 

This collection debt was supposed to be removed from ALL of the credit bureau 's. 

I asked this collection agency to please verify that this debt belongs to me and to provide me with a copy of the original contract. I have never received the documents I requested. 

This debt collection agency claims I owe them money regarding a medical procedure. I have never allowed this company access to my medical records and they violated the HIPPA law, because they claim to know medical procedures that were performed on me. 

I have attached screenshots of the debt being successfully removed from my XXXX credit report after I disputed it. I also attached screenshots of the debt still being reported on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX and XXXX, I purchased {$3200.00} of flooring to install in my home. The agent did not allow me to inspect the products, but assured me that the flooring  would look like the samples in store and online. The products were delivered to my home and left outside in the rain when I was not present, on XX/XX/XXXX. 

I called the merchant the next day to complain that the goods did not match what was in the store or online. They admitted that the photos online are photo shopped, and offered to refund the products but not the return shipping cost. I said that was unacceptable, and that I would open a dispute with Visa. 

I spoke with an agent for my Chase Sapphire account on XX/XX/XXXX. She took my details and said that I didn't need to worry, they had everything they needed. 

On XX/XX/XXXX, I was sent a paperless notification that Chase needed more information. I was not notified of the message by email, but only saw it when I was checking my account balance. 

On XX/XX/XXXX, I spoke to a Chase Sapphire customer service agent. I submitted my email correspondence with the merchant, indicating that the products could be returned. I was again told that Chase had all the necessary details and that my account would be credited. 

I heard nothing from Chase at all. I called today, XX/XX/XXXX, and was told that the dispute had been closed on XX/XX/XXXX. I never received any indication of this. 

I am now worse off than if I had called Chase. This should be resolved, and Chase should be admonished for its misleading handling of a customer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I call Transunion and sent certified letter to remove unauthorized inquiries

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 2021-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rock Creek Capital, LLC
State: PA

Complaint narrative:
I received a letter from a credit collection agency that calls itself XXXX XXXX XXXXXXXX  or XXXX, on XX/XX/XXXX stating that I owe a debt of {$470.00} on a debt to Rock Creek Capital , LLC for a leased XXXX XXXX that I turned back over in good standing in XXXX of XXXX. I immediately responded with a letter stating that I dispute this debt. On XX/XX/XXXX, I received a response form XXXX stating that I do owe them the debt for Rent Past Due, Sales Expense, and a Lease Termination Charge. Their letter also states that they do not have to respond to any other inquiries, requests for additional information or challenges to their claim. 

The lease in question was on a XXXX XXXX XXXX which I leased on a weekly basis from a company named XXXX XXXX, which was affiliated with XXXX. The purpose of this lease was to drive for XXXX. During my lease, XXXX XXXX was bought out by XXXX, which from what I understand went out of business after I terminated my lease and their remaining business was bought out by Rock Creek Capital LLC. I leased this car from XX/XX/XXXX through XX/XX/XXXX. The weekly lease payments were taken directly out of my XXXX earnings each week before I could even touch any of my earnings. I never missed a payment. When I terminated my lease, I called XXXX XXXX and they scheduled a pickup of my leased XXXX from my driveway. I was instructed to leave the keys in the XXXX and they would come pick it up on Monday, XX/XX/XXXX, which is exactly what happened. When I spoke to them on the phone, they told me that the final payment would be taken directly from my earnings as they always have up to and including the XXXX, and that there would be no additional charges. Everything went exactly as they described and I never heard from them again. 

The XXXX was in excellent condition when returned and nobody has reached out to me in 3 years to suggest otherwise. I have lived in the XXXX area, with an up to date legal address, the same phone number and email address as I had in XXXX and have never been contacted by XXXX XXXX, XXXX, XXXX, Rock Creek Capital, XXXX XXXX XXXX or any associated companies or individuals ever claiming or suggesting that I may owe any outstanding balances from my auto lease. Now, 42 months later, Im receiving letters from a debt collector which claims that I owe money to a company which has changed hands several times and I cant help but feel like they were just hoping I failed to respond to get a default judgement against me. 

I looked up this exact scenario online and saw that numerous other former XXXX drivers who leased through XXXX XXXX are now receiving similar letters beginning in XXXX, which I think deserves being looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
There were several charges on my JetBlue XXXX account, Totalling {$2200.00} on XX/XX/XXXX and XXXX. I contacted the credit card company alerting them I didn't activate my card and I just received an email saying my credit card was activated. The company told me that there were many changes on the card. They told me there would be an investigation. I just received the letter today which they denied the fraud claim.

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 2021-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: OK

Complaint narrative:
I was involved in a gift card scam and discover doesnt claim that its fraud. And I have an enormous bill in which Im struggling to pay off and in the meantime my interest is accruing. Its over {$10000.00} and Ive tried settling with them but the wont. I could use your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm shopping for a mortgage and follow my credit scores. After checking what they are I finally applied for the mortgage only to be told that banks and lenders don't use the score that we are shown by the credit bureaus. The lender used the same companies but had a different score. Yet the credit bureaus lead us to believe that the score is the score, and hide any differences or more specifics behind lots of unintelligible legalese. I believe this is false or fraud.

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 2021-12-09 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: PA

Complaint narrative:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.SXXXX code 1681c-2 allows the consumer to block and remove information all that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these consumer rights.

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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Employer : UNKNOWN Date Updated : XX/XX/2020 XXXX XXXX Date Updated : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer XXXX XXXX XXXX  Date Updated : XX/XX/2020

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 2021-12-09 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: FL

Complaint narrative:
I call Equifax and sent certified mail to remove inquiries unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Creditor has been adding inaccurate information on my credit report .I sent letters to all three credit bureaus and they did not verify according to the fair credit reporting act section 609 ( a ) ( 1 ) ( a ) that is required by law to verify. They failed to verify. This account must be deleted off my credit reports within 30 days 611 ( a ) 15 usc 1681j ( a ) ( 1 ). Im also requesting that they send me an updated copy of my credit 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 explanation
Consumer complaint received 2021-12-09 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: FL

Complaint narrative:
Creditor has been adding inaccurate information on my credit report .I sent letters to all three credit bureaus and they did not verify according to the fair credit reporting act section 609 ( a ) ( 1 ) ( a ) that is required by law to verify. They failed to verify. This account must be deleted off my credit reports within 30 days 611 ( a ) 15 usc 1681j ( a ) ( 1 ). Im also requesting that they send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm shopping for a mortgage and follow my credit scores. After checking what they are I finally applied for the mortgage only to be told that banks and lenders don't use the score that we are shown by the credit bureaus. The lender used the same companies but had a different score. Yet the credit bureaus lead us to believe that the score is the score, and hide any differences or more specifics behind lots of unintelligible legalese. I believe this is false or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm shopping for a mortgage and follow my credit scores. After checking what they are I finally applied for the mortgage only to be told that banks and lenders don't use the score that we are shown by the credit bureaus. The lender used the same companies but had a different score. Yet the credit bureaus lead us to believe that the score is the score, and hide any differences or more specifics behind lots of unintelligible legalese. I believe this is false or fraud.

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 2021-12-09 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit 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 2021-12-09 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: FL

Complaint narrative:
I sent letters to all three credit bureaus and asked them to send me written confirmation that they have complied with, my requests with these false inquiries on my credit reports. 15 u.s.c. 1681n I've givne them 30 days to respond and correct the inaccuarate information. but they failed to do so. 623 ( a ) ( 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 2021-12-09 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: FL

Complaint narrative:
I sent letters to all three credit bureaus and asked them to send me written confirmation that they have complied with, my requests with these false inquiries on my credit reports. 15 u.s.c. 1681n I've givne them 30 days to respond and correct the inaccuarate information. but they failed to do so. 623 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXXBalance {$8.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXXXXXXBalance {$0.00} XXXXBalance {$2000.00} XXXXBalance {$3600.00} XXXXBalance {$2000.00} XXXXBalance {$3600.00} XXXXBalance {$4000.00} XXXXBalance {$6900.00} XXXX XXXXBalance {$480.00} XXXX XXXXXXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX {$8.00} XXXX XXXXXXXX {$0.00} XXXX {$2000.00} XXXX {$3600.00} XXXX {$2000.00} XXXX {$3600.00} XXXX {$4000.00} XXXX {$6900.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$1700.00}

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