vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Loan # XXXX This loan is currently by Shellpoint serving company, It was previously by XXXX XXXX and they sold it to Shellpoint, They did request to show proof of XXXX XXXX XXXX XXXX policy that i did provide to them in time, and now they requested from the previous year, And i don't that the papers in my file since it's over a year since it was the effect, XXXX XXXX did have that policy showing that it was insurance in place but they did not transfer that doc however they forced me to pay insurance for the last year although i had always insurance in place, there is no guideline I have to keep all policy 's from the prior year in my file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
I do not know where this debt came from. I dont owe XXXX anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had a mortgage with Wells Fargo. Wells Fargo put me in a loan modification when it was not needed. Wells Fargo also failed to place my payments in its appropriate accounts which always had my account in default and always in foreclosure status. WFC never applied my mortgage payment accordingly and always had my escrow in a negative status. I am reaching out to your company for loan modification issues, payment process issues, payment account issues, as well as escrow issues with Wells Fargo mortgage company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: VA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX  Please remove it from my credit report.

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX  Please remove it from my credit report.

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX  Please remove it from my credit report.

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: CA

Complaint narrative:
I am not liable for this dept with ( XXXX XXXX XXXX, or XXXX XXXX XXXX ), XX/XX/2021 Lp, I don't have a contract with XXXX XXXXXXXX service, they did not provide me with the original contract as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: PA

Complaint narrative:
I can not get my credit report and my credit scores or verify my info with the Equifax credit bureau I have called them many times and sent my information and requested to correct my report and still no respond

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a city checking account due to a targeted bonus they send me. The bonus read like EARN UP TO XXXX AAdvantage  bonus miles after completing all required activities. By XX/XX/2023 I should have completed all required activities to earn the XXXX AAdvantage bonus miles. The offer stated YOUR AAdvantage bonus miles will be credited to your AAdvantage  account within XXXX calendar days from the date you complete all required activities. It has been more than 30 calendar days since the date I completed all required activities. I spoke to a Citi representative through their app on Friday XX/XX/2023 to confirm that I have completed all required activities, which they confirmed. I am wondering where my bonus miles are. The rep said the miles should be credited within the end of the month of XXXX. It is now XX/XX/XXXX and I am without my earned bonus miles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BTS Motors, LLC
State: TX

Complaint narrative:
I paid XXXX to get my car back in XXXX. They didnt fix my car they saying I still owe and extra XXXX when I pay XXXX $ extra more dollars for the insurance for the car it didnt cover anything. They frauding taking more money.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-28 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: PA

Complaint narrative:
See the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: AL

Complaint narrative:
They claimed I borrowed money from them but I have no knowledge of it. I will not pay for a debt I do not owe. Its going on years now and I will not pay for a debt I do not owe therefore they need to take it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I was scammed by a company called XXXX. I purchased XXXX hours of cleaning. They performed 2 hours of cleaning and promised to reschedule the other. Each time they would reschedule, they cancelled. After several times over the course of 10 days of them cancelling these rescheduled appointments, I told them to cancel my account. Because I cancelled the account, I was charged {$120.00} cancellation fee. 

I called Discover Bank about this scam. The first representative hung up on me after I told her I wanted to hold for a manager. I called back and got the same representative again and immediately requested that she transfer me to someone else. Once transferred, the second rep told me that Discover Bank does not investigate or cover scams. She suggested that I keep trying to work with XXXX for a refund. 

XXXX does not have a telephone number to call. I have been emailing them continuously and they refuse to issue a refund. I offered to send Discover Bank the emails so they can see that I was scammed and this is a fraudulent charge and they said it didn't matter what the email said because they do not investigate scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: IL

Complaint narrative:
CFPB Experian has violated my consumer rights by furnishing inaccurate and unverified information on my credit report XXXX XXXX XXXX is identity theft DELETE ( EXPERIAN ) XXXX XXXX XXXX was NEVER LATE in XXXX  DELETE late payment ( EXPERIAN ) ( EXPERIAN ) FRAUD INQUIRIES DELETE XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX DELETE INQUIRY over XXXX XXXX XXXX ( XXXX ) INQUIRIES ONLY XXXX  not fraud over XXXX yrs DELETE XXXX XXXX XXXX please delete old addresses that not on my government ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: MO

Complaint narrative:
I sent them a dispute letter with tracking on XX/XX/2023. They have ignored the letter and apparently refused to sign for it. 

This is the third dispute letter I've sent about this debt and the third one that's been summarily ignored. They need to desist collection tactics immediately. 

Among those collection tactics, they called the owner of the company I work for, on her work phone, and told her I owed them money. These people really need to be out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: Incomm Holdings Inc.
State: FL

Complaint narrative:
Card was purchased for an employee of my company, card was purchased at XXXX and should have had {$100.00} on it. The company that provided this card was XXXX  Product was sealed when given to employee. When it was opened, the card had numbers scratched off the front. When we called the company to try to activate it, they told us the funds had been used already. 

They needed me to submit my drivers license ( front and back ), the gift card ( front and back ), a utility bill (??? ), and the receipt for the card. The company also told me that even after all of this, the funds could be tied up for more than a month. 

This is unacceptable and shady, it seems that they make it as difficult as possible to put in a claim and use the money we loaded onto the card. This should not be how business is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: FL

Complaint narrative:
i have sent the documentation several times please resolve the issue asap! this is unacceptable! i have sent the docs over 5 times!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I traded a car in XXXX where I was underwater. I had decent credit score, but the used car company, XXXX XXXX, selected Santander XXXX XXXX % to service the car loan. I didn't realize what the interest was on the loan until the next day. I was told that I could refinance the car to get out of the loan. I contacted Santander about the refinancing or lowering the interest rate as my XXXX score was greater than XXXX, and they refused. 

I had also put down XXXX for the downpayment of the vehicle. I could not get anyone to touch the car, so I ended up having to pay XXXX to trade the car. 

I am requesting the {$10000.00} from Santander. {$8000.00} for the downpayment I made in XXXX, and the {$2000.00} I payed on top of the regular payment, trying to get the car to a level where I could trade it. I had to trade the car to get out of the loan and I really liked the car, so because of their deceptiveness and predatory lending practices, I am out a large chunk of money and a car I don't like.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: WI

Complaint narrative:
On XX/XX/2023 I sent a letter to the bureau informing them that there was an account reporting inaccurately with an " Open Account '' status and I requested that it be deleted from my profile because it is not FCRA compliant. This inaccurate reporting needs to be deleted. I pulled my report again and this information is still showing on my account inaccurately. This is a violation of my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I have had many concerns with the company called UpStart. UpStart loaned me money for used vehicle, XXXX  XXXX XXXX to be exact. During my terms of agreement I have paid all payments on time and concurrent with those payments. 
It was recently deemed total loss and covered by my insurance with regards to payout. Along with XXXX if any differences. 
My concerns with UpStart have been brought to their attention and they refuse to address these concerns. Such as ; contract, agreement, UpStart written policies, site navigation ( blocked ) changes made, entitlement, payments, personal data collected and shared, refinance, prior to accident. and why your company refuses and avoids an answer to my concerns. As none of my concerns were given a definitive answer. 
The answer i did receive were to check site for policy. However, I am blocked. And they wont remove this blocking of site. Regarding payment as they have stated both thank you for my payment and that I am late of X amount of days. Title already passed on without consulting with me whatsoever. Also to add my XXXX XXXX is not complete with their official outcome. To allow some leniency or pause account as I am waiting on XXXX XXXX XXXX XXXX so that I may have an amount to say what is left if any! 
As to why UpStart stats as Owner of the vehicle I do not have rights to the remains. the response I received was that they dont allow the owner to keep remains. There site stats data collected and share of my personal information and that I may request this information shared. 
They would not provide this. Refinance prior to accident. As they told me they do not refinance when there site clearly stats they do. I have had many concerns with this company and none of my concerns have been addressed or answered. Not a single question or concern. And its very upsetting and frustrating when I have made sure I made all payments on time with them and holding up to my side of our agreement. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation