vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I went into a forbearance plan in XXXX of XXXX when Covid hit. During this process i made sure to connect with my assigned contact to make sure that this would not affect me in any negative way. I was assured that there would be no problem fast forward to XXXX of XXXX my Forbearance was ending and i would resume my payments. I was specifically told my my point of contact that I would resume my payments in the month of XXXX so I called in to make my payment for XXXX. I was sent a loan modification agreement at the beginning of XXXX that needed to be notarized. Per my point of contact I was to NOT pay the month of XXXX because of the delay in getting the loan modification agreement. Since then i have received a total of 6 Loan modification agreements because of errors made either by Shellpoint Mortgage or the XXXX. I have sent everyone of these in ; in a timely manner. Because of others mistakes I am now paying the price which is not fair. Shellpoint Mortgage is reporting tho the credit bureau that I am not making my Mortgage payment when I indeed have been paying it since XXXX as i was instructed to do. I have tried a number of times to get this fixed and taken of my credit with no luck. Every time I call i get no where ... this is costing me a lot my credit went from a high XXXX down to a low XXXX. Please help I have no fault in this.I filed a formal complaint with Shellpoint and received a letter saying they were going to look in this but I have not heard anything else since. I have never payed my mortgage late. since the first reporting Shellpoint has gone and sent a second reporting of me not paying which is not accurate at all i have my bank statements that show I have been paying. I was told that the reporting would keep happening until they receive a complete agreement. as i mentioned i have sent in 6 of these agreements but they are not accepted because of errors Shellpoint made or the Notary made... I need to get the reporting of my credit report and have them stop reporting because again i have no fault in this delay. I appreciate your time with this matter and hope that i can get some help with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Balance : {$160.00} Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX Balance : {$1900.00} Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$500.00} Account Name : XXXX XXXX  ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$480.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$1500.00} I am formally filing a complaint against XXXX, XXXX, and TransUnion. I have been disputing these collection accounts with the credit bureaus since XX/XX/XXXX. I also have disputed this directly with the collectors XXXX XXXX and XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. I was asking these collection companies and credit bureaus to simply validate the reporting of these accounts. I'd like to exercise my rights as a consumer to ask for the validity of the accounts I have mentioned above. I am trying to get approved for credit and I am not able to do so because the number of collection accounts that are reported in my credit report. 

I have not received sufficient documents from both the credit bureaus and third party collectors proving that these collection accounts are valid and 100 % reporting compliant with the reporting regulations as mandated by FCRA and FTC.

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 2021-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC
State: FL

Complaint narrative:
Thank you in advance for your valued feedback and assistance. I acquired a home inXX/XX/XXXX in the XXXX XXXX  XXXX and the State of Florida. This was a suggested loan based on loan originator conversations and meetings regarding several properties. After residing in the home for eight months it was determined the home was far too aged for a family structure of mines at the time and one that demands technology connectivity to operate in distance working, school, and other research assignments. The mortgage was sold and transferred to another Loan Servicer while I officially changed my name, experienced family causalities, and was hit with three named hurricanes and tropical depressions. Because of the conversations, natural disasters, and temporary loss in income. The home has declined into subpar living standards. It is a family home for my daughters where we have experienced discriminating rental rates that compensate the needs of management companies and owners that exempt themselves from evaluating, restoring, and maintaining a home. This has been one of the driving reasons why I have not placed the home on the open market. Many social security number holders have been impacted by predatory lending, commissions, and fees. XXXX holders are serviced with a different system of practices that leaves many questioning the real estate industry as a whole. I am a natural-born citizen and resident who strongly welcome all but feel I was sold into an income opportunity scale that is yet to be truly appraised based on the soil, growth potential, and wind conditions that bury people prematurely. I don't want to lose ownership of the property line, land and without communication from the new loan servicer, I feel I am being guided to add this debt to the treasury for cancellation and clear deed and title ownership to my name. Novad Management Consulting OKLAHOMA OFFICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am a senior citizen and I am also on social security. 

I am a Google email user and the email I am complaining about is XXXX I signed up for email address to use in my XXXX account so as to be receiving verification codes and I have been using the email for more than a year now. 

Few days ago, google disabled my email address and said they suspected it was used for phishing and they said I can appeal the decision. 

My email address has never been used for phishing before. So I appealed the decision to have it reenabled and I never heard back from Google. The case number google gave me is [ XXXX ] This has done a lot of damages to me because I used email to link to my Online social security for verification code when I want to log in. I have not been able to access my social security account for now because the code is being sent to my email address. 

I have over {$4500.00} US dollars in my XXXX account and I can not withdraw because XXXX recently sent a code to my email and asked me to provide the code, but google shut down my email address. There is no way for me to change my email on XXXX because they will first of all send email to the old email that was linked for confirmation before a new email can be added. 

Also few of the online banks which has no location that I have Account with I can not log in because my email which google XXXX was used for codes too. 

I am officially writing to Google using this complaint to enable my email address so I can be able to withdraw my funds from social security and XXXX because I have been so frustrated in the past days please. 

The email I am complaining about is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
on XXXX. 
thi credit bureau refused to remove a fraudulant account on my credit report XXXX XXXX  XXXX I have attached a copy of police report

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I used my American Express card to pay for a stay at the XXXX XXXX XXXX in XXXX, FL. XXXX XXXX XXXX claims to be pet friendly and mispresented their pet policy when I made the reservation. Specifically, I was advised when making the reservation that proper accommodations and safety practices were in place for pets. That was very untrue since there was no place to walk dogs on the premises and instead they suggested a county run park that was almost a mile walk. In the summer heat in Florida, that long walk can be unhealthy for a dog. Also, I had the Florida XXXX XXXX XXXX investigate the XXXX XXXX XXXX and they were found to have many violations, one in particular which was dangerous to pets was mislabeling and handling of chemicals. Unfortunately, my dog because violently ill during the stay and died. Cause of death was undetermined and thought to be heatstroke or poisoning. 

I filed a dispute with American Express for the two related charges, XXXX which was dispute number XXXX and XXXX which was dispute number XXXX. American Express closed the disputes in my favor and then reopened on XX/XX/21 and returned the charges to my account. Their reasoning seems to be because XXXX XXXX XXXX refunded the pet fees. To me, a refund of pet fees is an admission of guilt and is not a resolution at all. 

I feel that American Express did not put effort in their decision and decided to rule in favor of the merchant which is not properly protecting their customer. It was also lazy in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
on XXXX. 
thi credit bureau refused to remove a fraudulant account on my credit report XXXX XXXX  XXXX I have attached a copy of police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I went into a forbearance plan in XXXX of XXXX when Covid hit. During this process i made sure to connect with my assigned contact to make sure that this would not affect me in any negative way. I was assured that there would be no problem fast forward to XXXX of XXXX my Forbearance was ending and i would resume my payments. I was specifically told my my point of contact that I would resume my payments in the month of XXXX so I called in to make my payment for XXXX. I was sent a loan modification agreement at the beginning of XXXX that needed to be notarized. Per my point of contact I was to NOT pay the month of XXXX because of the delay in getting the loan modification agreement. Since then i have received a total of 6 Loan modification agreements because of errors made either by XXXX XXXX  or the XXXX. I have sent everyone of these in ; in a timely manner. Because of others mistakes I am now paying the price which is not fair. XXXX XXXX is reporting tho the credit bureau that I am not making my Mortgage payment when I indeed have been paying it since XXXX as i was instructed to do. I have tried a number of times to get this fixed and taken of my credit with no luck. Every time I call i get no where ... this is costing me a lot my credit went from a high XXXX down to a low XXXX. Please help I have no fault in this.I filed a formal complaint with XXXX and received a letter saying they were going to look in this but I have not heard anything else since. I have never payed my mortgage late. since the first reporting XXXX has gone and sent a second reporting of me not paying which is not accurate at all i have my bank statements that show I have been paying. I was told that the reporting would keep happening until they receive a complete agreement. as i mentioned i have sent in 6 of these agreements but they are not accepted because of errors XXXX made or the Notary made... I need to get the reporting of my credit report and have them stop reporting because again i have no fault in this delay. I appreciate your time with this matter and hope that i can get some help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I went in a settlement arrangement with prosper on my loan. I had a fixed payment due every month on the XXXX. I have paid it religiously every month. This month not only have I had a report on my credit report for a late payment which is untrue but I ha e also called and email asking why that is and asking this to be fix. I went to pay on bill today and my account still shows a late payment, a fee for late fee and the original amount of the payment before the payment arrangement. I signed paperwork in XXXX for this arrangement and I expect prosper to live up to their arrangement with me. I have read all kind of complaint against this company that NO ONE is doing anything about. I expect help with this problem and not have it sweep under the rug! Also I spoke with XXXX a supervisor in XX/XX/2021XX/XX/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 2021-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
I started an application on XXXX XXXX for a cash out refinance and spoke with Loan officer XXXX XXXX at Amerisave. I gave him all the info of how long I lived in my home and when last refinance closed. He stated my application was approved and sent me a loan estimate and conditions that needed to be submitted and stated I would need to pay a {$500.00} application fee before moving forward, in which I paid. While submitting conditions, I researched and had concerns about their approval and asked the Loan officer if I would still be able to refinance since I just closed on loan less than 6 months ago. He stated he would find out and let me know. At approximately XXXX XXXX XXXX, on XX/XX/XXXX, I received a call from Amerisave ( XXXX XXXX ) and he left a message. He stated that would not be able to move forward refinance until XXXX of XXXX after 6 months has passed and he would go ahead and initiate a refund of application fee ( {$500.00} ), nothing further I needed to do. I waited several days then emailed XX/XX/XXXX at XXXX asking about refund to no response. XX/XX/XXXX at XXXX I texted the number he texted me on before and asked for update, he responded and said he would now initiate and will send confirmation soon ( XXXX XXXX ). I have never heard back after 3 more attempts to get update and still no refund after being told on XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute to Transunion about two items on my credit report that are fraudulent via mail and phone. Transunion is not only still reporting the fraud they have not addressed my dispute. By FCRA law they have to cease reporting the company in question until the investigation is completed. They have not done so nor have they initiated any investigation attempt.

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 2021-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was having email with my real estate agent from this XXXX from XXXX. His name is XXXX XXXX, XXXX real estate agent, XXXX. I send an email and got feedback lastly on XX/XX/XXXX, and submitted some documents on XX/XX/XXXX. For XXXX XXXX payment and change my information, I send an email asking about that to XXXX. However, I got an email with information about certain bank account, Account Number : XXXX XXXX Number ( Routing ) : XXXX Originally I have to pay my rent through online portal for tenants, but at XX/XX/XXXX, the bank system was down so I thought this is onetime adjustment. So I paid XXXXUSD from my Bank of America account to the scammer 's XXXX account. I trusted him because on XX/XX/XXXX I requested tenant portal update and I got an email about it. Also I replied to original lease email from XXXX so the email conversation was between me and the real estate agent. I don't know how he could break into the conversation and reply to the right original email address ( XXXX ), because the scammer 's email address was diffrent ( XXXX - no 'S ' in the address, I found yesterday ). So this is how I paid to scammer 's account {$1200.00}. I asked to my bank and they said it is hard to reverse the transfer and will take times. The police does not care this case. I just want to get my money back. If the scammer 's bank account can be concealed, it would be great.

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 2021-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2021, I received a letter from Citibank ( see attached ) about an account that was attempted to be opened but was unable to due to the bank 's inability to verify credit information. I contacted Citibank at XXXX on XX/XX/2021, to advise them that I had never tried to open an account with their bank and that it was a fraudulent application. They apparently had all my personal information including my SS #. They said they would turn it over to their ID Theft department and gave me their number at XXXX to follow up, along with this contact information for the FTC.

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