vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Complaint Against Shellpoint Mortgage Servicing for RESPA Violations Dear Sir/Madam, I am writing to file a formal complaint against Shellpoint Mortgage Servicing regarding their mishandling of my mortgage account, which has caused me significant financial distress and violated my rights under the Real Estate Settlement Procedures Act ( RESPA ). 

Incident Overview On XX/XX/year>, I received my monthly mortgage statement from Shellpoint Mortgage Servicing, which requested a payment of {$3900.00}. I have always paid my mortgage on time and in full. However, on XX/XX/year>, Shellpoint Mortgage Servicing initiated a series of debit and credit entries and attempted to withdraw more than {$15000.00} from my bank account without proper notice or justification. 

This unexpected and unauthorized attempt to withdraw funds has caused significant financial disruption. Furthermore, Shellpoint Mortgage Servicing appears to have unilaterally increased my principal balance without providing me with any explanation or an opportunity to review and dispute potential errors in their calculations. 

Violations of RESPA Shellpoint Mortgage Servicings actions constitute a violation of the Real Estate Settlement Procedures Act ( RESPA ), including but not limited to : 12 CFR 1024.35 ( Error Resolution Procedures ) : Shellpoint failed to provide me with sufficient time to identify, request corrections, and dispute errors related to my mortgage account.

12 CFR 1024.36 ( Requests for Information ) : Shellpoint did not provide clear, written explanations for the significant changes to my mortgage balance and debits, depriving me of the opportunity to understand or dispute these changes.

12 CFR 1024.41 ( Loss Mitigation Procedures ) : Their mishandling of my account puts me at risk of foreclosure, despite my compliance with the payment schedule.

Impact and Urgency I am deeply concerned that Shellpoints actions could result in the foreclosure of my property, despite my adherence to payment deadlines. I have not been given a reasonable chance to review, dispute, or understand the changes made 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 explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report, I noticed several errors regarding billing. The late payments reported are inconsistent with my usual record. I kindly request that these discrepancies be corrected and my account updated.

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 2024-12-31 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : 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 2024-12-31 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: RI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX for failing to provide me with a XXXX form for a debt that was forgiven in excess of prescribed guidelines. This is a violation of XXXX regulations. I request that the CFPB investigate this matter and take appropriate action to ensure that I am not unfairly penalized for XXXX XXXX failure to provide me with the necessary tax form by invalid negative reporting.

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express Denied my extension of credit. Federal Law prohibits a consumer to be denied credit under any capacity under the Equal Credit Opportunity Act. I am giving American Express the opportunity to act in honor and give them an opportunity to Cure. 

Ref # XXXX Ref # XXXX Ref # XXXX IF you refuse the opportunity to cure, I will proceed with litigation, and I will pursue Criminal Charges for Securities Fraud , and civil Liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As outlined in FCRA Section 605B ( a ), credit reporting agencies must expeditiously remove any information labeled by the consumer as originating from an alleged case of erroneous activity, no later than four business days from the receipt of this notification. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX Balance : {$210.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX, LA XXXX XX/XX/year> Resurgent Capital Services L.P . 
XXXX XXXX XXXX XXXX, MI XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX  Subject : Cease and Desist Request for Deletion of Collection Account Dear Resurgent Capital Services L.P. , I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. 

According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. 

For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Hi My name is XXXX, I wanted to know will I receive a check from Lexington Law Firm. Who repair my credit about 12 yrs ago. I definitely used them to repair my credit. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My recent review of my credit report revealed some billing mistakes. These late payments do not reflect my typical payment behavior. Id appreciate it if you could fix these errors and update my account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC
State: PA

Complaint narrative:
Issue : Rubin & Rothman , LLC, on behalf of XXXX, XXXX, engaged in unethical debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple requests for validation, the firm initiated legal action and provided incomplete or inconsistent documentation. 

Details : XXXX XXXX XXXX failed to validate the alleged debt despite a timely formal request under FDCPA 15 U.S.C. 1692g. 
The firm initiated a lawsuit in the XXXX of XXXX XXXX of XXXX XXXX, XXXX, before validating the debt. 
Requests for proof of XXXX XXXX XXXX license to collect debts in XXXX were ignored. 
Documentation provided by the firm included inconsistencies, such as improperly dated or unsigned materials and references to unrelated individuals. 
XXXX XXXX : I request the CFPB investigate XXXX & XXXX practices and ensure compliance with federal debt collection laws to prevent further consumer harm.

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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-12-31 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have filed a previous complaint via this platform. They lowered my score from XXXX to XXXX currently in retaliation. They sent many responses to my last complaint. Which appeared to be just satisfy the last inquiry to my complaint. They have yet to add my bank to the list of banks so can utilize it. They are purposefully being biased and keeping my score below XXXX. The more issues I try to resolve the more retaliatory Experian becomes. 
I thought the credit bureau was supposed to be on the consumer customers side and not self serving. My next plan of resolve will be a court house.

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 2024-12-31 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: TN

Complaint narrative:
JPMCB CARD was applied for XXXX and XXXX inside not authorize this according to the bank it was denied but they refused to remove the inquiry off my credit report said I had to file a complaint and dispute it with credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX Direct/Email : XXXX XX/XX/2024 XXXX REQUEST/ CEASE AND DESIST SENT VIA XXXX MAIL & EMAIL ( XXXX XXXX : Collection Hunter XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE : XXXX XXXX XXXX # XXXX Dear Sirs/Madam : I recently received a debt collection notice from your office. A copy is attached for your review. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this pursuant to 15 USC 1692g. Please supply me with a copy of all contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. I formally request the cancellation of the 1099-C debt issued by XXXX XXXX who XXXX, purportedly transferred to XXXX XXXX XXXX XXXX This request is made in accordance with the relevant provisions of the XXXX XXXX XXXX and applicable regulations. A copy of all charge-offs documentation including 1099-C forms. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, pursuant to 15 USC 1692c I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Lastly, please forward the requested information to the address listed above within XXXX ( XXXX ) business days from the date of this letter. I would like you to confirm your company is not on the federal bad debt collector list. 

Thank you for your prompt attention to this matter. 

Kindly, XXXX XXXX XXXX By : ____________________________________ XXXX XXXX XXXX, XXXX, CC : CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the excessive interest charges applied to my account ending in XXXX associated with the financing of a mattress, boxspring, and bed frame purchased on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Upon reviewing my account statements and payment history I have discovered the total interest being charged is nearly double the cost of the original item. When contacted representative after reviewing statement I was told a was eligible for a grace period of three days after promotional period ended on XX/XX/XXXX. This outcome is not only unexpected but also to disproportionate and inconsistent with the statement closing date XX/XX/XXXX and the promotional period ending date XX/XX/XXXX. 
The original cost of the item was XXXX intrest charged to date is XXXX. The balance before XX/XX/XXXX was only XXXX which I agreed to pay when statement arrived in the mail with excessive interest charged. I was declined to do so by representative despite promises of extension of promotional period. The fair agreement terms were not disclosed at the time of purchase. The intrest calculations appears to be excessive and may violate principles of fair lending practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
FCRA law was cited because my permission was not given for information that was reported on my report and was exposed in a data breach by the credit bureaus. Also, according to the fair credit reporting act federal law 15, USC 1681. I was promised accuracy in my report. There are errors that can not be validated or verified. Thats another reason. Im requesting any in all such information 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 explanation
Consumer complaint received 2024-12-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
FCRA law was cited because my permission was not given for information that was reported on my report and was exposed in a data breach by the credit bureaus. Also, according to the fair credit reporting act federal law 15, USC 1681. I was promised accuracy in my report. There are errors that can not be validated or verified. Thats another reason. Im requesting any in all such information be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
FCRA law was cited because my permission was not given for information that was reported on my report and was exposed in a data breach by the credit bureaus. Also, according to the fair credit reporting act federal law 15, USC 1681. I was promised accuracy in my report. There are errors that can not be validated or verified. Thats another reason. Im requesting any in all such information 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 explanation