vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by 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
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NV

Complaint narrative:
Since submitting my TEPSLF forms in XX/XX/XXXX, I have regularly followed up with my loan servicer, Mohela. On XX/XX/XXXX, I received notification that all of my forms were reviewed and processed, and my qualifying payments would be updated. I also called and confirmed with a representative that all of my forms had been approved for the listed dates, which totaled over the 120 months required for loan forgiveness. 

However, one of the files I had uploaded contained two forms, and it was not entered correctly. A call to a representative resulted in the form being resubmitted for another review to ensure that both employers ' dates were added to my qualifying payments. 

On XX/XX/XXXX, I received a message that my approved dates had been added, but only 95 and 112 qualifying payments were added. Of the two loans listed, the one given 95 qualifying payments is eligible for 122 payments, and the loan given 112 is eligible for 139 payments. When I called to find out more, I was informed by Mohela that they would continue to enter additional dates, as many of the dates from my approved forms had not yet been added. 

I once again called on XX/XX/XXXX to find out why no additional dates had been added to my account and my resubmitted form had not yet been processed. The representative told me she would submit an expedited form that should take 3-5 business days at most to ensure that all of my approved dates would be added and the resubmitted form would be processed. As of tonight, five business days later, my resubmitted form still says it was cancelled and nothing has been updated on my account. 

I have spent well over a decade working in public service and would like to have my loans processed and forgiven so I can move forward with my life goals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
The form letter submitted does NOT CLEAR the ESCROW - Shellpoint has on my MORTGAGE STATEMENT -- there is a PAST DUE ESCROW {$2600.00} -- Shellpoint Dashboard statement shows {$2400.00} -- Shellpoint must correct the MORTGAGE STATEMENT! sending CFPB a form letter stating nothing is due is misleading and fraudulent. 

ESCROW balance will be due after XX/XX/XXXX as I pay Insurance/escrow and Taxes within my MORTGAGE PAYMENT. Shellpoint alleges the Mortgage statement can not be corrected WHY NOT? Upper Management Promises to do so since XX/XX/XXXX NOT REALIZED!!! 

Shellpoint was quick to send FORECLOSURE letters without waiting for XXXX XXXX to clear up the Grant payment. I had to contact all parties and secure the grant funding be paid with CFPB intervention. Otherwise I could lose my home due to negligence and discriminatory treatment by XXXX XXXX! 

At the least Shellpoint could create a corrected record. They went back and got my loan history so why cant a CORRECTED MORTGAGE STATEMENT reflect NO PAST DUE amount and {$480.00} is due XX/XX/XXXX?????. A form letter wont due because this error is on my MORTGAGE STATEMENT -- ESCROW is not added to my statement as a PAST DUE when Shellpoint just got the funds and dispersed these funds without any help from WELLS! It is Shellpoint responsibility to manually correct the MORTGAGE STATEMENT. 

The Federal grant paid in full all existing balances including escrow! Since XX/XX/XXXX, have been lied to by upper management at Shellpoint that the MORTGAGE STATEMENT would be corrected by XX/XX/XXXX. IT WAS NOT! As of XX/XX/XXXX - MORTGAGE STATEMENT continues to add a past due ESCROW balance the BALANCE is not described as pending payment which it should state ( pay taxes and insurance+escrow ) in monthly payment. 

Demand the MORTGAGE STATEMENT to be corrected as promised by Shellpoint immediately. My existing balance is monthly mortgage due XX/XX/XXXX {$480.00} In my quest to receive a corrected MORTGAGE STATEMENT -- Shellpoint sends the same form letter to CFPB that I have received 3x and each time does not reflect ESCROW as a {$0.00} balance or a PENDING Balance going forward!!! Shellpoint addition of my Loan History does not deflect their responsibility to manually correct my MORTGAGE STATEMENT! Otherwise I have no proof of a PENDING ESCROW vs a PAST DUE ESCROW!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 states a consumer reporting agency can not furnish a account without my written instructions. 
My name is XXXX XXXX my reporting number is -- XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct XXXX XXXX XXXX XXXX acct # 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 2023-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I have receiving a hospital bills from the same place but different amount and different collection agency now i received a bill for XXXX i told them i didnt go to the hospital the year and time frame they had on my credit report and i never received a bill because i never went.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXXXXXX  I overpaid my bank of america credit card {$20000.00}. I meant to apply to my home loan and not my credit card. I have called them over 20 times and they tell me the checks in the mail, transferred to another account or on hold. They refuse to provide contact info other than customer service general number, they refuse to send me any records but tell me it's in process. I need help and they can not provide any details other than wait 3 days, it will be there next week, now they are saying it will take an additional 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, has 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 states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has 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 states a consumer reporting agency can not furnish a 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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, has 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 states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX15 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
On XX/XX/ I received an email from Grain Credit that stated my account is ( 1 ) day past due. I was confused because I know a payment was made. Then I got a notification from my credit monitoring, My XXXX, which showed me that Grain Credit posted a late payment on my credit report. I had no idea this was happening to my credit. Grain is in clear violation. THE LAW CLEARLY STATES : The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The late payment needs to be deleted from my consumer report, because Grain Credit is in violation of 15 USC 1681. 

Furthermore in accordance to the law, failure by Grain Credit to respond with deletion can warrant me to seek further legal action, including but not limited to, {$1000.00} per violation for : 1. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ] 2. Negligent Enablement of Identity Fraud 3. Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: MS

Complaint narrative:
Equifax is continuously getting this account wrong this account is closed the other two credit bureaus got it right the Equifax keep getting in this wrong my account with dream spring is closed it is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Both XXXX and XXXX Removed the accounts that have issues on my account however the other day I received a letter from TransUnion stating they investigated the same accounts and found them to be valid. So regarding the federal student loans according the law a debt is only supposed to remain on your credit report for seven years, however there are accounts that state there is a XXXX balance that are from XXXX, XXXX, XXXX, XXXX and so forth that is past the seven years. Then there is a collection agency called aargon agency stating I owe them {$890.00} however I do not have a contract with this company. The company sent me a letter with the company I do owe which is XXXX XXXX XXXX XXXX  for a membership I never used. I have never contracted with XXXX XXXX, nor did I ask them to purchase my debt from the XXXX XXXX. The same goes for XXXX XXXX XXXX XXXX the creditor that does not have a wet ink signature is XXXXXXXX XXXX XXXX  never contracted with XXXX XXXX or XXXX XXXX XXXX or the Account XXXX XXXX XXXX nevada XXXX Both XXXX and XXXX removed this information from my credit report. Transunion should do the same

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion failed to respond to my MOV letter & failed to delete the tradeline after 15 days. 

Transunion failed to respond telling me how they did their investigation. Who did they talk to at the original credit grantor? Did they write them? Was a UDF form used or was this through electronic automatic dispute verification? Did they contact them at the same address/phone number listed on my report? 

The FCRA says that Transunion has to tell me this in 15 days if I ask. Transunion provided no response nor deletion of the tradeline. Transunion failed to Tell me exactly how they verified this and include the full name of the person they spoke with. 

Transunion failed to respond to my MOV letter & failed to delete the tradeline after 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK
State: CA

Complaint narrative:
I'm writing to report a gift card scam that I fell victim to on XX/XX/XXXX. I purchased three XXXX gift cards from XXXX, each with a value of {$200.00}, at the request of an individual who claimed to be the CEO of my company. The scammer urged me to send the PIN numbers immediately, and I only realized it was a scam when I checked the card balances and found they had been claimed. I immediately contacted my credit card company, Discover, and reported the scam, and they removed the transaction from my account. However, three weeks later, on XX/XX/XXXX, I received a letter from Discover requesting more information to investigate the case. I contacted Discover and provided additional details of the scam on XX/XX/XXXX, but on XX/XX/2023, I was informed that they did not recognize it as a scam, they would reverse the transaction, Discover is not responsible for this case. However, I was clearly scammed, and I would like to appeal this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NY

Complaint narrative:
I recently notified Experian that I am a victim of Identity theft. Experian responded that they Verified the fraudulent XXXX account as accurate and said that they would not re-investigate this fraudulent account that I am complaining about. The XXXX account that is reflecting on my credit report IS NOT MY ACCOUNT, AND I didnt have anything to do with it. I would also like to know how a fraudulent account is verified, and when and with who.

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