vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My loan was never serviced by Shellpoint/Newrez . The loan in question was paid in full by XXXXXXXX XXXX  ( to XXXX ) in XXXX of XXXX, there was no balance when Shellpoint purchased the loan infomation from XXXX. No payments were ever made to Shellpoint, no balance ever carried. My credit report shows past due payments of 180 days reported XX/XX/XXXX. I have never been late on any mortgage payments, with any lender. Having this information on my credit report has caused my husband and I stress, and has significantly decreased our credit scores. I have never received any statements, bills or letters regarding a mortgage balance or late payments. 

Contact was made to Shellpoint on XX/XX/XXXX where the agent said she was requesting removal and it should show with the credit bureaus within 30 days. 

XX/XX/XXXX Called again and spoke to an agent that also said that there was no information available to suggest I had ever owed a balance. Was advised to submit request through email, notes were also made on my account. 

XX/XX/XXXX follow up email sent, no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporter Act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX and Account # XXXX XXXX XXXX Are reporting inconsistent balances across credit bureaus therefore are violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 section 604 A. section 2. It also state a consumer reporting agency can not furnish your account without my written instructions.

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 2024-03-03 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Ive recently checked my credit report and noticed inaccurate account 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 2024-03-03 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
Ive recently checked my credit report and noticed inaccurate account reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
This Company CREDIT MANAGEMENT COMPANY Is Not Licensed & Bonded In The State Of Georgia To Collect Any Alleged Debt From Me This Is Against The Law. This Account Needs To Be Removed From My Credit Report Or I Will Have No Choice But To Pursue Further Action On This Violation. I've Contacted The Debt Collector An Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Liquid Signature & They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading & False Accounts. Under 15 U.S. Code 1692d- Harassment And Abuse I Have Been Harassed And I Now Have Trauma & This Account is In Violation. Under 15 U.S.C 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 1.Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you CREDIT MANAGEMENT COMPANY that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; 2. Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: CA

Complaint narrative:
XX/XX/year> a fraudulent account reported on all 3 credit reports that I had no knowledge of. Im a victim of identity theft and Im submitting the documents to have all accounts blocked off my credit reports and also stop XXXX XXXXXXXX XXXX for attempting to collect a debt

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 2024-03-03 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: CA

Complaint narrative:
XX/XX/2024 a fraudulent account reported on all 3 credit reports that I had no knowledge of. Im a victim of identity theft and Im submitting the documents to have all accounts blocked off my credit reports and also stop XXXX XXXX XXXX  for attempting to collect a debt

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 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a money order of XXXX on XX/XX/XXXX. My money was not made available nor any portion of my deposit. I called multiple times and was told it would be held 7 days. It is XX/XX/XXXX and my funds are not available and accd to Chase it won't till XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Disputes are filed but no results Inaccurate info still on credit report I am a victim of Identity theft/fraud Social Security number being used by unknown person/people Multiple accounts opened that don't belong to me Inaccurate personal info Employment info incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/2024 a fraudulent account reported on all 3 credit reports that I had no knowledge of. Im a victim of identity theft and Im submitting the documents to have all accounts blocked off my credit reports and also stop porfolio recovery associates for attempting to collect a debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a phone call from American Express that my account was being cancelled? I asked them why and the agent from AMEX XXXX XXXX stated that another account that I was on had failed to maintain its obligations. I stated that my card was not linked to the account that failed to pay. She informed me that it was, and my personal account was cancelled along with the business account that I've had no connection to since XXXX. I was removed from the account that has been diligent by AMEX in XXXX and I have a confirming text stating that I am not personally responsible for the balance this account. 

I have never been late or missed any payments with AMEX on my personal account or any other account that I have control over. 

I have seen a side of AMEX that has changed my opinion of them, soon after the notice I started receiving phone calls and emails daily looking for payment even though the payment was not due. I haven't even received a statement so a could confirm purchases and balance. Also, AMEX would not honor the points earned after years of doing business. AMEX harassed be daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I had to submit this on XXXX and now Aidvantage is doing the same thing. They are refusing to check the clearinghouse for my student status even though I've been on it for a couple of months ( school verified ). They are trying to make me fill out paperwork which they know will take longer than the payment is due. I think they are ticked off payments were suspended for so long and are desperate to get them anyway they can including ignoring/cheating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Credit card was activated in XX/XX/2023. No further information was received from the bank. I made charges in XX/XX/2023 amounting to about {$110.00}. No information was forthcoming again. 
On XX/XX/2023, I received an email that the account was overdue as of XX/XX/2023. That was the first and only information from the company. I sent an immediate payment for the charges made and requested waiver of the late charge in light of no prior notice or statement. 
I have been attempting to contact the company since XX/XX/2023, to no avail. The company continues to add late fees to the original late fee. There is NO access to anyone in the company to remedy this dispute. I have stopped using the card and any dealings with the company. The company continues to send emails stating that the account is past due on the late fees. 
I do not recall whether I ever officially closed the card account, but I will check that out after I complete this complaint. 
Thank you for your attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
This is inaccurate and erroneous data on my profile. Please correct ASAP!!!! 

un-authorized inquiries 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 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 non-monetary relief
Consumer complaint received 2024-03-03 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: FL

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
This is inaccurate and erroneous data on my profile. Please correct ASAP!!!! 

un-authorized inquiries 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 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 non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX has violated many consumer rights, in engaged in insurance fraud, deceptive practices and unjust enrichment. XXXX has sent letters asking to settle the matter, the most recent in XX/XX/XXXX, but have not responded to faxes sent to multiple departments and phone calls to the departments mentioned in the letter. XXXX has ignored financial instruments intended to settle the account in XX/XX/XXXX. XXXX has ignored IRS Fiduciary form 56 sent XX/XX/XXXX, to settle the account. XXXX has ignored UCC1 ( # XXXX ) and UCC3 ( # XXXX ) filing in Washington State and mailed directly to XXXX in XX/XX/XXXX. XXXX reported a loan balance of {$0.00} between the months of XX/XX/XXXX and XX/XX/XXXX on the consumer 's account. XXXX filed insurance claims and collected monies on account XXXX in XX/XX/XXXX, yet continues to try and collect on the account, directly from the consumer ( as of XX/XX/XXXX ). 

XXXX has reported CHARGE OFF status with the credit reporting agencies, yet refuses to send the tax documents ( or any for that matter ) stating that it has been charged off. 

XXXX has given, without permission, the consumer 's information to multiple parties ( violation of 15 USC 1681 ( a ) ( 4 ) who have since violated consumer rights, harassed the consumer, including the consumer 's friend 's and family. Harassment and abuse are covered under 15 USC 1692d and 15 USC 1692g. 

XXXX have allowed assigns to file lawsuits, in XXXX XXXX, Kentucky. The contract specifically states that the laws of Washington State shall govern the contract. 

The consumer continues to be railroaded and ignored while XXXX effectively pursues unjust enrichment off of the consumer, between the securities created, payment from the consumer, cashing out on an insurance claim and attempted collection of the XXXX XXXX XXXX XXXX. Is a tax exempt, non profit organization allowed to do this? How can one organization claim to be not-for-profit, hold tax exempt status and collect on one contract several times? This has been documented in many communications with XXXX and XXXX has not rebutted any of the claims. 

On their website, XXXX states they are a " not-for-profit, member-owned cooperative ''. They hold a not-for-profit and tax exempt status with the IRS. 

In a letter dated XX/XX/XXXX XXXX has been urged to make this right with the consumer, but as of XX/XX/XXXX they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: KY

Complaint narrative:
XXXX has violated many consumer rights, in engaged in insurance fraud, deceptive practices and unjust enrichment. XXXX has sent letters asking to settle the matter, the most recent in XX/XX/XXXX, but have not responded to faxes sent to multiple departments and phone calls to the departments mentioned in the letter. XXXX has ignored financial instruments intended to settle the account in XX/XX/XXXX. XXXX has ignored IRS Fiduciary form 56 sent XX/XX/XXXX, to settle the account. XXXX has ignored UCC1 ( # XXXX ) and UCC3 ( # XXXX ) filing in Washington State and mailed directly to XXXX in XX/XX/XXXX. XXXX reported a loan balance of {$0.00} between the months of XX/XX/XXXX and XX/XX/XXXX on the consumer 's account. XXXX filed insurance claims and collected monies on account XXXX in XX/XX/XXXX, yet continues to try and collect on the account, directly from the consumer ( as of XX/XX/XXXX ). 

XXXX has reported CHARGE OFF status with the credit reporting agencies, yet refuses to send the tax documents ( or any for that matter ) stating that it has been charged off. 

XXXX has given, without permission, the consumer 's information to multiple parties ( violation of XXXX USC 1681 ( a ) ( 4 ) who have since violated consumer rights, harassed the consumer, including the consumer 's friend 's and family. Harassment and abuse are covered under 15 USC 1692d and 15 USC 1692g. 

XXXX have allowed assigns to file lawsuits, in XXXX XXXX, Kentucky. The contract specifically states that the laws of Washington State shall govern the contract. 

The consumer continues to be railroaded and ignored while XXXX effectively pursues unjust enrichment off of the consumer, between the securities created, payment from the consumer, cashing out on an insurance claim and attempted collection of the XXXX XXXX XXXX XXXX. Is a tax exempt, non profit organization allowed to do this? How can one organization claim to be not-for-profit, hold tax exempt status and collect on one contract several times? This has been documented in many communications with XXXX and XXXX has not rebutted any of the claims. 

On their website, XXXX states they are a " not-for-profit, member-owned cooperative ''. They hold a not-for-profit and tax exempt status with the IRS. 

In a letter dated XX/XX/XXXX XXXX has been urged to make this right with the consumer, but as of XX/XX/XXXX they have yet to do so.

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 2024-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
53rd Bank closed case # in bad faith. Despite multiple phone and email documentation about multiplle payment credit errors, including a XX/XX/XXXX principal only curtailment payment of {$1000.00} that was never credited to my payments for this horrific, unprofessional disaster of a bank ; XXXX XXXX " of the XXXX XXXX office '' then closed this complaint despite sending me a print out of my regular and extra curtailment payments without the promised explanation about why the bank did not credit my regular XX/XX/XXXX payment of {$570.00} appropriately, but instead randomly back credited the ACH payment to XX/XX/XXXX ; and still has not credit the {$1000.00} curtailment payment also made on XX/XX/XXXX via the same ACH to any date at all. Attached is the bank 's own " ledger '' of my payments which notes they received a {$1000.00} curtailment payment from me on XX/XX/XXXX ; but as of today - XX/XX/XXXX, has refused to acknowledge this error, and to appropriately credit my account. 

Given the long discussions by phone I have been forced to have with XXXX XXXX and a multitude of 53 customer service about the bank 's multiple errors, especially in regards to the XX/XX/XXXX regular and extra curtailment payment, there is zero possibility XXXX or the bank closed this complaint in good faith. Due to their continued incompetence to correctly. credit my {$1000.00} XX/XX/XXXX curtailment payment, the bank also overcharged me for the interest applied/reapplied due to their errors, and is continuing to require extra time and extra dilligence from me to get them to correct at best their continued incompetence, but at this stage, more likely gross negligence or outright theft : Please note from their own statements my XX/XX/XXXX total payments. Then review the inaccurate ledger accounting XXXX XXXX sent to you and to me to " close this complaint '' - but has still failed to appropriately credit the XX/XX/XXXX {$1000.00} curtailment- on any date, any where. 

I have lost significant work and personal time dealing with 53rd 's incompetence/now gross negligence ; continue to be mischarged interest/have principal payments correctly credited. 

XXXX XXXX said 53rd 's legal department would sign off the accounting and resolution she sent you and me. That accounting/ledger is still not correct. WHY? 





I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to check my credit score and I see that I have a credit card debt I only have one credit card I dont have a BANK OF AMERICA CREDIT CARD SOMEONE IS DOING FRAUD AND IT IT MESSING WITH MY 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 explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX, I do not have a Midland Credit Management , INC . They did not provide me with the original contact as I requested. 

This account also has my incorrect name as well.

Company response to consumer: Closed with explanation