vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-09 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
To my dismay I noticed an erroneous reportings on my XXXX   credit bureau for myself, my Dad and my Mom for a fictitious .I called a representative at Shellpoint Mortgage Servicing customer service number, she indeed confirmed this was an error and confirmed the following details : The loan was originally with XXXX XXXX , it was scheduled to transfer to Shellpoint but never transferred because the truth of the matter is my Dad refinanced from XXXX in XXXX of 2019 with no delinquencies prior and neither me or my Mom were even on the loan when XXXX was the mortgagee. I dont know how my mom and I were even on XXXX record. The loan NEVER hit your portfolio yet has been reported 120 days delinquent on all three of our credit bureaus!!! Which caused our credit rating to decline between 25-50 points each. I myself noticed this because I was in the process of applying for a loan and was denied! I have spent several hours calling and holding to speak with your company and representatives at the credit bureau to dispute this item on all of our credit bureaus. Such negligence should not have take place and it has cost us as consumers. The other thing that concerns me greatly is that, neither my Mom, Dad or I never received any correspondence from Shellpoint, or XXXX about any mortgage transfer to our residence. Please remove this erroneous reporting from all credit bureaus for all parties involved immediately. I also confirmed on a secondary phone call to Shellpoint, they has now transferred said mortgage to another lender, they couldnt tell me who, that now has our personal information and shouldnt. Shellpoint is hindering our ability to get other lending transactions approved. I would like a letter mailed to each of us with resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: CORELOGIC INC
State: FL

Complaint narrative:
My complaint is regarding Credco/quicken. They placed an unathorized inquiry on my credit on XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX &XX/XX/XXXX19 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX-19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2020-05-09 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: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
Made a call to Heartland ECSI approx XX/XX/2020 regarding XXXX payment. Customer service Representative stated " contact must be made to the school attended. Made contact to XXXX main campus, voice message left student financial services on/around XX/XX/XXXX. 
XX/XX/2020 around XXXX XXXX. 
A returned call from XXXX XXXX Student financial Services ( The Bursars office ) Apologized for someone not returning the call sooner, stated ( left message on another department Voice-mail ). Made Mrs. XXXX I'm unable to comply with payment due to the current situation ( not -working ). Documents received to complete for processing for deferment. XX/XX/2020 Credit score dropped 38 points due to not responding in a timely manner. This  decreases my credit and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
On XX/XX/2020 Commonwealth Financial Systems Inc. reported to XXXX, XXXX and XXXX  I had one account in collections for {$1900.00} dollars, I have no knowledge of said account and I do not owe Commonwealth Financial Systems Inc. anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Commonwealth Financial Systems Inc. or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Commonwealth Financial Systems Inc. are a clear violation of the Fair Debt Collections Act. I am requesting that Commonwealth Financial Systems Inc. remove this collection account from each of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: NY

Complaint narrative:
The accounts listed I had nothing to do with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: Ditech Financial LLC
State: IL

Complaint narrative:
To my dismay I noticed an erroneous reportings on my XXXX credit bureau for myself, my Dad and my Mom for a fictitious .I called a representative at XXXX XXXX XXXX customer service number, she indeed confirmed this was an error and confirmed the following details : The loan was originally with Ditech Mortgage , it was scheduled to transfer to XXXX but never transferred because the truth of the matter is my Dad refinanced from Ditech in XXXX of 2019 with no delinquencies prior and neither me or my Mom were even on the loan when Ditech was the mortgagee. I dont know how my mom and I were even on Ditechs record. The loan NEVER hit your portfolio yet has been reported 120 days delinquent on all three of our credit bureaus!!! Which caused our credit rating to decline between 25-50 points each. I myself noticed this because I was in the process of applying for a loan and was denied! I have spent several hours calling and holding to speak with your company and representatives at the credit bureau to dispute this item on all of our credit bureaus. Such negligence should not have take place and it has cost us as consumers. The other thing that concerns me greatly is that, neither my Mom, Dad or I  never received any correspondence from XXXX, or Ditech about any mortgage transfer to our residence. Please remove this erroneous reporting from all credit bureaus for all parties involved immediately. I also confirmed on a secondary phone call to XXXX, they has now transferred said mortgage to another lender, they couldnt tell me who, that now has our personal information and shouldnt. XXXX is hindering our ability to get other lending transactions approved. I would like a letter mailed to each of us with resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The accounts listed I had nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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 have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : 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 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet is not reporting my student loan to XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have reached out numerous times asking for copies of every statement since Navient took over my student loan. They only keep a years worth of statements. Despite asking numerous times, I still haven't received them. When I ask Navient about my statements, they either lie to me and say they will send them or lately, they just don't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
On Caine & Weiner Company Inc. reported to XXXX, XXXX and XXXX I had one account in collections for {$740.00} dollars, I have no knowledge of said account and I do not owe Caine & Weiner Company Inc. anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Caine & Weiner Company Inc. or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Caine & Weiner Company Inc. is a clear violation of the Fair Debt Collections Act. I am requesting that Caine & Weiner Company Inc. remove this collection account from each of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I ordered an American Express Serve to deposit my Social Security on this prepaid credit card. I've called for 5 days now to find out why I was unable to withdraw my money and I have stayed on the phone for hours at a time. I've reach a customer service and she redirects me to the Fraud department and then I must hold until they hang up on me. 
I need to understand what is going on with this company. I've also found many people are in the same situation with this company. Please investigate immediately before others are effected as I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received 2 unauthorized hard pulls in XXXX 2020 on my credit report from you all. They need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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 have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : 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 2020-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX {$650.00} Commonwealth Financial XX/XX/XXXX {$320.00} XXXX XXXX XX/XX/XXXX XXXX XXXX {$160.00} These are medical bills an are on my credit report. It is violating the Hippa law. 
Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I applied to open a personal checking account at XX/XX/2020 with First Citizen Bank through their website. 
The application was approved and i received a debit card around a week later by mail. 
I deposit two checks at XX/XX/2020 and also {$1000.00} cash at XX/XX/2020. 
My access to my online account was blocked at XX/XX/2020 and i informed my card has been declined for an online payment. 
So i called the mentioned bank and ask about declined transaction and i was told my account is in closure process, and i have to call XXXX to follow up. 
While this bank held my money, any application evaluation should be done during application approval process and there is nothing in their agreement that the bank are allowed to evaluate customer account with XXXX at anytime and because of that decide to close account without prior notice. 
Closing an active account, held more than {$2000.00} remaining balance without any prior notice or instruction to payback and put people in limbo specially during these devastating days that cash is more important in day to day lives indicates how a financial institution can be ruthless and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: GA

Complaint narrative:
I received 2 unauthorized hard pulls in XX/XX/ 2020 on my credit report from you all. They need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: Nelnet, Inc.
State: NC

Complaint narrative:
My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XX/XX/2020 from XX/XX/2020 due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: WY

Complaint narrative:
On XX/XX/XXXX, I purchased petroleum products with my Chase Credit Card worth INR XXXX from a merchant with the promise of delivery within 7 business days of the payment. ( SEE MERCHANT DECLARATION ATTACHED ) Despite repeated attempts to reach out to the merchant after 7 business days, I have not received the promised products TILL DATE. 

I filed dispute in XXXX for non-delivery of the said products with Chase Cardmember Services, Chase Bank however despite repeated attempts to reach out via Chase Message Center, I did not hear back. ( SEE ATTACHMENTS ) On XX/XX/XXXX, Chase wrote that they have decided the case in favor of the merchant ILLEGALLY WITHOUT- a ) PROOF OF DELIVERY b ) TRANSACTION CHARGESLIPS ( Thus transactions are not bound by card-member agreement ) c ) MERCHANT RESPONSE ( No merchant signed response has been shared ) In addition, the Dodd-Frank Wall Street Reform and Consumer Protection Act, 2010 's Regulation Z and TILA, includes prohibitions on mandatory arbitration and waivers of consumer rights however Chase has refused to abide by the same in it's responses ( SEE ATTACHMENTS ). 

A COPY OF THIS COMPLAINT AND ITS OUTCOME WILL BE SHARED WITH SEC, Federal Reserve Board & DEPARTMENT OF JUSTICE FOR MONITORING & REGULATION PURPOSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: Continental Finance Company, LLC
State: LA

Complaint narrative:
My card was comprised in XX/XX/2019. I called the credit card company and they would never cancel the card. I kept getting late fees and continued to get charges. I paid all the late fees and charges because it was negatively affecting my credit. I had the old card closed and a new one was to be reissued. I have not gotten the new card because I told them I dont want it. Even though, they issued a new number, and now the same thing has happened again. The new card is now comprised. The credit card company hangs up on me when I call about the pending transactions, and the only suggestion they have is to reissue a new card. 
Representative act like they cant hear you and hang up. 
This is a Continent Finance Card, and their customer service is not helpful at all. One representative said the transaction was on the old card and another said it was in the new card that hasnt been issued.

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