vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I bought my house in XXXX for {$99000.00}. I put {$10000.00} down and financed {$89000.00} for XXXX yrs. As of XX/XX/XXXX I have been paying on it for XXXX yrs and my principal as of today is {$81000.00}. I should have like XXXX yrs left on paying for it. Ive brought this problem to a lawyer about XXXX yrs ago and they told me that mortgage companies can do what they want. Ive asked the mortgage company and they told me to pay an extra {$1000.00} on it every month to get it paid for quicker, but they never answered my question to why only {$8000.00} has been paid on my balance over the last XXXX yrs and XXXX  months. My monthly payments have been any where from {$800.00} to {$1100.00} a month over the course of the XXXX. When I brought this up to the mortgage company prior to NewRez they switched me over to NewRez and that other company then went bankrupt. I hope you can help me find out to why I dont have my house almost paid for. 
Thank you 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 2024-10-01 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: PA

Complaint narrative:
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account XXXX XXXX XXXX XXXX Bank was deleted from my credit report, between XXXX XXXX and XX/XX/year> XXXX bank and XXXX Card was added back to my credit report XXXX XXXX According to the FCRA Reinsertion law XXXX I & subsection XXXX if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Best Regards, 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 2024-10-01 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: MO

Complaint narrative:
I recently reviewed my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
I was in forbearance with Cardinal Financial until XXXX, 2024. 

Cardinal Financial sold our mortgage to XXXX XXXX  XX/XX/year> without notification of transfer. 

XXXX XXXX  sent mail saying I owed {$16000.00} in debt when my payment were paused with Cardinal Financial ( False Information ). They also said my forbearance ended XXXX XXXX and my account was in severe delinquent status is I did not pay mid month without sending notice. ( False Information ). 

Now they are asking for more documentation for starting over the forbearance process which should be transferred with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The personal details on my credit report are INORRECT and I WISH FOR THIS TO BE UPDATED AS SOON AS POSSIBLE.

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: VA

Complaint narrative:
In XX/XX/year>, I was sued, but I did not become aware of it until I performed a random search of my name on XXXX case search software on XX/XX/year>. It was then that I discovered I had a scheduled hearing on XX/XX/year>, despite never having been served. I decided to attend the hearing to resolve the matter, but the other party was unprepared. Nevertheless, I agreed to pay {$3000.00} by the end of XX/XX/year>. 

In XXXX, I experienced a financial crisis and asked if I could settle the debt with a {$500.00} payment, which they declined. Instead, they threatened to inform the court that I had no intention of paying the original {$3000.00}. On XX/XX/year>, I submitted an online payment of {$3000.00} through my XXXX checking account. Although I received an immediate confirmation on their website, the funds remained in my account for several days. I called on XX/XX/year>, to confirm the payment, only to be told that they were not processing it because they do not accept " XXXX XXXX  '' I was not informed of this policy for XXXX days, despite their website only stating that debit and credit cards are not accepted. 

They agreed to accept my {$3000.00} if I paid by XX/XX/year>, which forced me to find an alternative payment method at the last minute without prior notice. I obtained money orders as a solution, but when I returned home, I received a letter from the debt collector, dated XX/XX/year>, stating that they would not accept my payment. They claimed that I was no longer in compliance with the previous arrangement. Despite my efforts to meet the payment terms, they are refusing to accept my payment and are attempting to make it appear as though I am intentionally defaulting on the agreement.

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 2024-10-01 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-10-01 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: PA

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report, and I have no idea why they're there. I routinely check my credit, but today, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but that didnt helpthe inquiries remained. I am really frustrated, and I am requesting that the documents Ive submitted be thoroughly reviewed so I dont have to deal with this ever again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
i was called to my XXXX XXXX XXXX and i was told i my XXXX money wouldnt be enough to cover my tuition, i applied for student loan and then was encourage to look at my credit report, and when i pulled it, i saw accounts that didn't belong to me but it also seemed vary odd because im to young, like, i dont know how to apply for credit cards, this is XXXX  where do i start, or before i can get started, i already had negative credit history, someone took advantage of me and i dont know who did it. I need help, I am a XXXX XXXX, the credit bureaus refused to help me, saying they verified information, of course you did, because its on my report, but they did no VERIFICATION PROVING OWNERSHIP OF ACCOUNTS, BY ANY SIGNATURE, PHONE NUMBER, EMAIL ADDRESS, OR PHYSICAL MAILING ADDRESS.

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 2024-10-01 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: GA

Complaint narrative:
i was called to my XXXX XXXX XXXX, and i was told i my XXXX money wouldnt be enough to cover my tuition, i applied for student loan and then was encourage to look at my credit report, and when i pulled it, i saw accounts that didn't belong to me but it also seemed vary odd because im to young, like, i dont know how to apply for credit cards, this is XXXX  where do i start, or before i can get started, i already had negative credit history, someone took advantage of me and i dont know who did it. I need help, I am a college student, the credit bureaus refused to help me, saying they verified information, of course you did, because its on my report, but they did no VERIFICATION PROVING OWNERSHIP OF ACCOUNTS, BY ANY SIGNATURE, PHONE NUMBER, EMAIL ADDRESS, OR PHYSICAL MAILING ADDRESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has an account listed on my on credit reports that dose not belong to me. i advised them that this account was not applied for by me. i never signed or used this card., I have mailed them XXXX different letters demand that this account be remove fro all XXXX of my credit reports. i requested copy of the the application and proof of debt. I sent debt validation. I have never had .OR APPLIED FOR THIS CARD. THEY HAVE NO COPIES OF CHARGES BECAUSE I NEVER APPLIED OR RECEIVED. 

I SPOKE XXXX XXXX XXXX # XXXX IN THE ESCALATION DEPARTMENT HE CONFIRM THAT NO CHARGES WERE MADE ON THE 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 non-monetary relief
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
XXXX XXXX XXXX has an account listed on my on credit reports that dose not belong to me. i advised them that this account was not applied for by me. i never signed or used this card., I have mailed them XXXX different letters demand that this account be remove fro all XXXX of my credit reports. i requested copy of the the application and proof of debt. I sent debt validation. I have never had .OR APPLIED FOR THIS CARD. THEY HAVE NO COPIES OF CHARGES BECAUSE I NEVER APPLIED OR RECEIVED. 

I SPOKE XXXX XXXX XXXX # XXXX IN THE ESCALATION DEPARTMENT HE CONFIRM THAT NO CHARGES WERE MADE ON THE ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
XXXX XXXX XXXX has an account listed on my on credit reports that dose not belong to me. i advised them that this account was not applied for by me. i never signed or used this card., I have mailed them XXXX different letters demand that this account be remove fro all XXXX of my credit reports. i requested copy of the the application and proof of debt. I sent debt validation. I have never had .OR APPLIED FOR THIS CARD. THEY HAVE NO COPIES OF CHARGES BECAUSE I NEVER APPLIED OR RECEIVED. 

I SPOKE XXXX XXXX XXXX # XXXX IN THE ESCALATION DEPARTMENT HE CONFIRM THAT NO CHARGES WERE MADE ON THE 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 2024-10-01 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: 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 XXXX XXXXXXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and 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 non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp.
State: CA

Complaint narrative:
i sent XXXX dollars to XXXX on XX/XX/year> but can not receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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:
On XX/XX/year> XXXX XXXX XXXX  completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX to remove these inquiries and all attempts failed.

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 2024-10-01 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: OneMain Finance Corporation
State: FL

Complaint narrative:
On XX/XX/year> One Main Financial completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX to remove these inquiries and all attempts failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection at Law, Inc. A.P.C.
State: CA

Complaint narrative:
I have already disputed the initial letter that I received from this debt collector and already sent my obtained sources of legit source of documentations such as my FTC Identity Theft Report, Police Report with additional FBI Victim letter in the mail to their office. The XXXX XXXX XXXX bank knew this from the very beginning since I reported to them right away about this coercion loan induced by the fraudster for me to do under my name. ALL the loan funds were ended up to the fraudster 's wallet. Two police officers went to my place when I reported this incident and I submitted copies of all the evidences that I have since all the instructions from the fraudster were all in text messaging. Then, the FBI agent went to my local police station where I reported my unfortunate situation that I had been to in order for him to collect all the evidences in -- person that I I submitted to the two police officers. 

Please STOP sending me repetitive letters to collect debt over and over, just to harass me. I have a lot of pain and sufferings already since last year that I had been scammed big-time due to both heavy fraud and identity theft. Please show me with some dignity and respect, at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have two Tax IDs on my closing documents ( dual lots ). Mr Cooper successfully paid the primary lot but the secondary lot was not paid for. I received a deliquent notice on XX/XX/XXXX. I contacted mr cooper on the XXXX and was promised taxid XXXX would be paid along with the late charges of XXXX. Original tax bill was XXXX. My escrow had XXXX to cover the amount at that time. I called again on the XXXX and my call was escalated to XXXX ( XXXX ). I provided her the phone number to the county collectors office and I was assured it would be paid. I called again today and was hung up on. I am going to have to pay this out of pocket. I can submit the original closing disclosure which indeed shows 2 tax ids. My broker indicated that he has 3 other clients with the same issue and he suggested filing a cfpd complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : COMENITYBANK/VICTORIA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: NY

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation