vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Equifax failed to provide my credit score. This inaccurate reporting is concerning. I have maintained a credit score for years, yet they now show it as negative or non-existent. This misreporting not only violates my consumer rights but also has a detrimental effect on my life. I demand the immediate correction and reinstatement of my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
This company is saying that I owe them {$590.00}. I have never done any business with this company for any reason.

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 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage is approximately {$13000.00} past due and I owe a five-month payment. 
Shellpoint Mortgage Services requires at least a three-month payment to bring my account within 60 days. 
I have scheduled a payment of {$8100.00} on XX/XX/2023 to bring the account within 60 days thus avoiding a foreclosure. 
I am asking Shellpoint Mortgage Services not to refer my loan to a foreclosure between now and XX/XX/2023. 
Alternatively, I can make two monthly payments right the way and one payment on XX/XX/XXXX. 
My objective is to avoid my loan going in the foreclosure. 

Shellpoint Mortgage Service is not taking two-monthly payment now plus a third payment on XX/XX/XXXX. 
Shellpoint Mortgage Company is not putting on hold sending my account to foreclosure until the scheduled three payment clear on XX/XX/2023. Then revisit the situation. 

Shellpoint Mortgage Service is keeping me nervous and hanging which is a clear malpractice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After multiple attempts credit reporting errors are still showing on my credit report Violation of 15usc1681 section a thru i.also Violations of no surprises act and the cares act of2022.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no knowledge of the mentioned inquiries, and I respectfully urge you to deal with this matter promptly. I have enclosed supporting documents for your reference. Kindly conduct an investigation into the matter and take suitable actions for its resolution.

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 2023-10-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
CCS Collection agency is fraudulently reporting on a debt that is being reported on my credit report. 
The original creditor is an insurance company, XXXX. The initial bill was for services not rendered. 
My rights under the Fair Debt Reporting Act are being violated in more than one way with this company, in addition to reporting on a debt not even legally owed.

They are reporting an open balance, which is illegal, a violation on how collections can be reported ; as they can not be reported as past due, late, or open.

They are also misreporting the dates on this account.

In the past, they totally disregarded my requests for the information on how they obtained this supposed debt, a copy of any contract between the original company or myself with them, and how they validated this account. They only responded with their generic verification process ; nothing was ever validated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting 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:
THIS INFORMATION IS INCORRECT. ELIMINATE XXXX  Balance : XXXX XXXX XXXX XXXX Balance : 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 non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
THIS INFORMATION IS INCORRECT. ELIMINATE XXXX Balance : XXXX XXXX XXXX XXXX Balance : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
A credit card from JP Morgan Chase was opened in my name and I did not apply for it. I contacted them in their Fraud Services Division and their representative named XXXX said that it will be canceled. I also reported it to XXXX credit reports and declared it as a fraudulent credit card. The account was opened on XXXX XXXX, 2023 for the amount of {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a Bankruptcy reported inaccurately on my Transunion and XXXX account. Both XXXX and Transunion claimed that the information was verified with XXXX XXXX. However, I've suppressed my XXXX XXXX ( and have the confirmation letter below ) months before requesting the removal of the bankruptcy and they ( XXXX, Transunion ) managed to still get information from XXXX XXXX. This in violation with FCRA regulations and I'm requesting the Bankruptcy reported on my XXXX and Transunion account be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
There is a Bankruptcy reported inaccurately on my XXXX and XXXX account. Both XXXX and XXXX claimed that the information was verified with Lexis Nexis. However, I've suppressed my Lexis Nexis ( and have the confirmation letter below ) months before requesting the removal of the bankruptcy and they ( XXXX, XXXX ) managed to still get information from Lexis Nexis. This in violation with FCRA regulations and I'm requesting the Bankruptcy reported on my XXXX and XXXX account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: SC

Complaint narrative:
I paid off a loan with BHG ( loan number XXXX ) earlier this month and BHG confirmed receipt and issued a refund due to the terms of the loan. Despite the loan being paid off, they illegally withdrew the payment amount of XXXX from my checking account today which is the due date had i not paid the loan off. Demanding immediate return of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX a XXXX payment from XXXX XXXX was frozen ( actually the entire account was frozen ) due to this person saying the transaction was fraud. I contact capital one. I advised I have all the evidence from the person who sent the money that it was not fraudulent. I even have a message from him saying he told his bank to pull the transaction complaint back and yet capital one still paid him back the XXXX and closed my account completely. How can they give money back to someone who agreed it was not fraud and their bank asked for it to no longer be disputed? 

I want my money back as it was an authorized transaction from XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting 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: MN

Complaint narrative:
The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/2021. This account does not belong to me.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THIS INFORMATION IS INCORRECT. ELIMINATE XXXX Balance : XXXX XXXX XXXX XXXX  Balance : 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 non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
XXXX XXXX ( my mom ) passed in XXXX XXXX.I 've ( XXXX XXXX XXXX remained in contact with PHH regarding our intent to improve the property & sell or purchase outright. On XX/XX/XXXX we received a payoff statement reflecting a XXXX for a legal fee of {$2300.00} which they claim was used to start foreclosure. I was not made aware of this. In fact, I spoke with them on the evening of XX/XX/XXXX to request a payoff and inform them that they would be receiving a sales contract. There was no mention of foreclosure. The sales contract was sent to them on XX/XX/XXXX. On XX/XX/XXXX they came to the property drilled out a deadbolt and gained entry. I had just left but returned while they were there. I'm requesting they deduct the legal fees from the payoff amount. 

Other unapproved charges include title examination fee of {$380.00}, and {$580.00} in landscaping fees and inspections. I want these charges removed as well. 

We've had the yard professionally maintained. they claim HUD requires them to mow the yard at our expense? According to HUD this is not true. The company they hired to actually made the lawn look worse. It looked like it had been done with a weed eater and the driveway and sidewalks were full of clippings. We couldn't figure out what kept happening and we were asking neighbors if they knew who was cutting the grass. When I received the payoff notice I realized it had been PHH. The amount they're attempting to charge is double what we pay to have the yard cut. 

This is their way to nickel and dime customers out of thousands of dollars. With reverse mortgages it generally comes at a chaotic time for families. PHH is taking advantage of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
XX/XX/2023 Received call from CPC from phone # XXXX. I looked up the phone number saw it was a debt collection I immediately knew they had the wrong number. I called them back and asked them to remove my number. I told them if they did not I would file a complaint. 


XX/XX/2023 received another call from CPC This time from XXXX. 


XX/XX/2023 Received another call from XXXX at CPC from XXXX left a voice mail stating call them back at XXXX ext. XXXX. 


The action taken by me, was to block the initial call after I told them not to call. All are appearing in my blocked messages. I did not call back again. As I already asked them back in XXXX to remove me which they said they would now it is starting all over again they call at all times of the day and evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All I want is a copy of my free annual credit report from both Equifax and XXXX XXXX. XXXX was kind enough to send me their free copy. I have attached a copy of my driver 's license to validate my domicile. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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 : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

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 : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
The car was repossessed and Credit Acceptance is still saying I owe XXXX. I contacted them today to request a copy of the account but was told they didnt see anything in the system under my name or under my SSN.

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 2023-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Issue with Ctibank which services Macy 's credit card On XX/XX/23 I called in a payment to Citibank in the amount of {$6100.00} using a Citizens bank check. On XX/XX/23, I mailed the same check by Priority mail after learning from Citizens that the bank check could only be processed in a physical format. On XX/XX/23 my Macy 's online statement showed a return check charge for {$30.00}. I called Citbank and spoke with rep XXXX who adjusted the return check charge. On XX/XX/23 my Macy 's online statement showed a balance of - {$12000.00}. I called Citibank and spoke with rep XXXX, then supervisor XXXX, then mgr XXXX who all verified the physical check was received on XX/XX/23 and was cashed on XX/XX/23 but they would hold both my return check and the physical check until XX/XX/23. They charged both payments against my account and would not apply the payment until XX/XX/23.

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 2023-10-20 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly update the accompanying records as they are false and were opened without my assent or information.

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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wanted to deposit {$2300.00} into my account because I needed to pay electronic bills. I went to the XXXX and started making a deposit. However, the XXXX did not immediately accept the entire amount of {$2300.00}. They returned some of the money back to me. Despite this, I decided to continue with the transaction and deposited the rest of the money, making the total amount {$2300.00}. However, the XXXX gave me a check that indicated an error and instructed me to contact the bank. When I checked my account, it only showed {$1300.00} instead of the expected {$2300.00}. I have been unable to resolve this issue for several days. As someone who earns {$2300.00} a month and uses this money to pay for housing, I kindly request that Bank of America return the remaining {$1000.00} to my account.

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 2023-10-20 00:00:00
Product: 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: ND

Complaint narrative:
I have a gift card for XXXX and can not use it at seemingly any online retailer. This includes retailers that accept AmEx cards. Every time I try to use it the card is declined by the bank.

Company response to consumer: Closed with monetary relief