vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint Mortgage Servicer Is NOT a mortgage company but a debt collector, I got the paperwork they sent me on my loan modification that was agreed to by Ditech and that they never gave me, 1 ) Shellpoint had forced place insurance on my home when I had explained to them that I had insurance through my HOA Fees but now they need to go back and correct that.

2 ) Shellpoint was Escrowing Taxes when I had paid the taxes on my home myself again I explained that to Shellpoint.

3 ) Shellpoint denied the modification because their OWN Notary did not finish witnessing the documents XXXX, that they sent to XXXX. In fact, I have emails going from XXXX back to Shellpoint telling Shellpont that the Docs are not correct and to redo them and get them back out to XXXX who then brought them to my office where I knew there would be people around and I could find 2 witnesses. Shellpoint, wanted my deceased Mother to sign the docs, but they fail to mention too that she had been dead since XX/XX/2013. They already had a Certifitfied copy of her Death Certificate, which can be used as the deceased 's signature, a copy of the will of the trust, and her handwritten codicil giving me her 50 % of the property, not to mention that the property had already been transferred into my trust at this point, so it was a done deal. 
4 ) I have already filed a lawsuit in XXXX XXXX Superior court and been granted a TRO to stop any foreclosure on my home, by XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and I am working out a modification with XXXX as I type now. I now want Shellpoint to go back and stip out all the extra charges that they added to my account before they SOLD the loan to XXXX for pennies on the dollar.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have gone on experian.com to dispute an address that is on my credit report that doesn't belong to me. This was disputed on XX/XX/2023 it it was never removed. I've been at the address that's on my ID for a couple of years 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 2023-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington bank closed my account because in the past I've had issues with an account t there, which is fine and I understand that. I was told they were going to send me a check in the mail months ago or i could go into the bank and get it. Sometime around XXXX I believe. I've been waiting for the check. The money is still in the account though so I went to the bank today to just get the money pit and NOW they tell me I owe them XXXX XXXX on an old account and would not let me take any of the cash out that's in there. I have over XXXX in there and on an XXXX XXXX balance and they would not let me take out ANY of my money saying I have to wait for them to take out the XXXXXXXX XXXX and send me the rest of what's in there. I understand why they felt I was risk and needed to close the account but not giving me ANY of my money over XXXX XXXX is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/2022, I made a purchase of an item on XXXX, using the credit service Affirm.com. My total was {$1900.00} after credit fees, and that was that. Nearly a month goes by, and I have the XXXX tracking information, and I do notice it is coming from XXXX, and that it also is set to not require signature on delivery. The so called " delivery date '' comes and goes, the item is not present, and my security cameras at my home do not catch it being delivered. I file a complaint/lost package report with XXXX  and they actually call me the next day to let me know that their driver admitted fault, and delivered it to the wrong address, ( and I have the voicemail from their office regarding this claim ) and that they would attempt to retrieve the item from the wrong address and attempt to redeliver It to the correct address, asking for a bit of time to get this resolved. I waited and waited, called a few more times, filed a lost package report with both XXXX and XXXX this time, and simply received the run around from them both for about a month, so I reached out to Affirm, filing a fraud claim on this charge. I gave them all of the relevant info, including the info from XXXX, and they also gave me the runaround, to the tune of about 8 months, to which in XXXX I reached out again, as my account was several months past due, but they had not charged it off yet. When I reached out in XXXX, they told me they would no longer assist me, and informed me it would be getting charged off, and to contact the debt collector in regards to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX ACCOUNT WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF COVID 19 AND THE HEROES ACT THIS HAVE NOT SHOULD BEEN REPORTED. 


I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX XXXX XXXX WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DONT RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF COVID 19 AND THE HEROES ACT THIS SHOULD HAVE NOT BEEN REPORTED.

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 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Capital one keeps sending me false advertisements of pre approval. They pulled a soft inquiry on my credit report to gather the info. Then send me multiple advertisements saying ive done been approved for a loan between XXXX and XXXX dollars. Then when ya wan na see what the amount is. They tell you that you havent been and there is no amount ir pre approval. The flyer doesnt say i could be approved, it specifically states ive already been approved. But thats a lie. Also ive told them several times to not contact me. I went through the opt out procedure and sent a cease and desist letter. Theyve ignored it. I am not a customer nor do i have dealings with them or their affiliates. This advertising is a lie and completely false. The only parameter i matched was living within XXXX miles of the dealership which they said was all they required. There was no preapproval or even an attempt to see. Nothing on this flyer leads to the thought that i am not approved. It actually tells me verbatim " you got the green light to purchase the vehicle you want with preapproved auto financing ranging from {$4000.00} to {$55000.00} through capital one '' and i receive this offer weekly for various dealerships. This is a lie and blatantly false. This type of advertising has negative consequences as most actually are not going to be approved at all and then the dealerships going to run multiple inquiries on the report causing a drop in credit score all because the consumer was told and led to believe they are approved. Its dirty and false and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX It XXXX Concern : I, XXXX XXXX XXXX XXXX XXXX am aware of my federal rights as a consumer under the Fair Credit Reporting Act. As per 15 USC 1681b, I am notifying you to remove all tradelines from my credit history immediately. 

Any correspondence excluding a notice of receipt of this letter from you will be documented and sent to the appropriate agencies regarding your violations. Please be advised that if these tradelines are not removed, I will be seeking litigation. 

Thank you, 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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Monday, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX It XXXX Concern : I, XXXX XXXX XXXX XXXX XXXX am aware of my federal rights as a consumer under the Fair Credit Reporting Act. As per 15 USC 1681b, I am notifying you to remove all tradelines from my credit history immediately. 

Any correspondence excluding a notice of receipt of this letter from you will be documented and sent to the appropriate agencies regarding your violations. Please be advised that if these tradelines are not removed, I will be seeking litigation. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
This is concerning Cash-App, I opened an account on XX/XX/XXXX, and then just like that on XX/XX/XXXX they stopped me from receiving funds into my account. I have submitted everything they requested ( ID, pictures, etc ). I have money sitting in the account that I can't accept money. So my account is basically frozen, and they are not giving me a reason or cause as to why. The account is still open and pending??? I don't understand what they are doing. And why they are dragging their feet. Again, I have given them everything they have asked for. This appears to be fraud to me because they are holding my money with no explanation to me whatsoever. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/1984 In accordance with the Fair Credit Reporting act The following agencies are violating my rights. 

XXXX XXXX  XXXX : Account Number XXXX XXXX : Account Numbers XXXX XXXX : Account Number XXXX XXXX : Account Number XXXX XXXX  : Account Number XXXX 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 fumish 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 itern of information, other than records of convictions of crimes which antedates the report by more than seven years.

In 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.

I did not consent, so please remove accounts/late payments listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/1984 In accordance with the Fair Credit Reporting act The following agencies are violating my rights. 

XXXX XXXX  XXXX : Account Number XXXX XXXX : Account Numbers XXXX XXXX  : Account Number XXXX XXXX : Account Number XXXX XXXX : Account Number XXXX 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 fumish 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 itern of information, other than records of convictions of crimes which antedates the report by more than seven years.

In 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.

I did not consent, so please remove accounts/late payments listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
Loan Depot was my mortgage provider. I had my payments set up on auto pay through my bank. Loan Depot informed me that I did not make my XX/XX/2022 payment, however, the funds were showing they were removed from my account. I was is in constant contact with Loan Depot including sending them multiple emails documenting the removal of funds. Apparently they failed to cash the check and the funds were restored to my account. I sent them the payment that day through an automated draft directly from my account. Loan depot then proceeded to report a late mortgage payment to my credit report. I have never missed a mortgage payment in my life. I rarely spoke to the same person twice and the customer service was horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2016, Wells Fargo modified my loan after taking more than 6 years to modify my loan. It took Wells Fargo 6 years to modify my loan. Well Fargo intentionally postponed loan modification to inflate a huge amount of extra money into my principal balance. Wells Fargo never disclosed to me the break down of extra fees added to my account balance. I did not sign a mortgage consolidation, and I have never seen that document. I want a full review of all the extra charges

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have been trying to complete the process to get a home loan through the XXXX program and the counselor assigned to my profile is unable to pull my credit reports due to federal legislation. The error code is XXXX XXXX and it is indicating that consumer requested security freeze on file. The credit freeze was removed on all 3 bureaus on or around XX/XX/2023. As of XX/XX/2023, the counselor is still unable to pull my credit reports and scores due to credit freeze on the account that all 3 bureaus is telling me does not exist. I have called a 3 multiple times and none are frozen but clearly they are all still frozen since my counselor is getting this error message.

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 2023-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
15 USC 1681 Section 602 I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: OH

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. 

Account name : Dept of Education/XXXX Account number - XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX XXXX  Account number - XXXX Account name : XXXX XXXX Properties Account number - XXXX These accounts have 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 : states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found in my credit report. I have identified several inquiries that were made without my authorization, and I believe that they may be fraudulent. I would like these items to be removed from my credit report immediately. 

The following inquiries were made without my authorization : XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX - Inquiry date XXXX XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX Additionally, I have identified two accounts on my credit report that I believe to be in error. The details are as follows : XXXX - Account number : XXXX This account has a payment history despite being charged off. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I do not recognize this business and I would like this account to be investigated to ensure that it belongs to me. Please delete this account from my credit report. 

I understand that you may require additional information to verify my claims. Please let me know if you need any further details or documentation from me to support my dispute. I appreciate your attention to this matter and I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect put a collection on my credit report that isn't mines... 

I send a debt validation letter and a cease and desist to the company 30 days via certified mail, the company still has the debt on all three credit report, and the company still continues to call me about the even after sending both letters... 

The company never responded to the debt validation letter and it's pass the time frame of 30 days to respond.

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 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt is from XXXX almost 10 years old. I have attempted to settle with this company and they refuse to respond. Each time the debt is challenged and removed from my credit record, they place it back on there with a new date that is inaccurate. The debt now says XXXX, and that's not true, this debt is 9 years old.

Company response to consumer: Closed with explanation