vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, I closed on my home. Since that date, my mortgage has been sold many times. As a result, I have had a number of servicers. My payments have never been late. XX/XX/XXXX, I entered into a Forbearance Plan due to hardship initiated by the pandemic. Just prior to entering into the Plan, I was advised that I had a new servicer. I was advised that no adverse information would be reported to the credit bureaus while in forbearance status. Prior to the end of the forbearance period, I was advised of ( 4 ) options to keep my status in good standing. I opted to exercise the option of a loan modification. The loan modification closed in XX/XX/XXXX. The following month, I was advised by my credit monitoring company, XXXX XXXX XXXX, that Shellpoint Mortgage Servicing had reported adverse information to XXXX, XXXX, and XXXX. Shellpoint Mortgage Servicing reported that I was delinquent in payments. I immediately contacted XXXX and was told that technically I was delinquent because I had not made payment ( s ) during the forbearance period. I tried to explain to no avail that by definition forbearance means that payments will not be made during such period. The XXXX representatives would give conflicting, inconsistent information from call to call. Some representatives would indicate that the reporting was in error after confirming that their records reflect that payments resumed in a timely manner following forbearance. I was told that they would submit my concern for review. Ultimately, I was told that I did not maintain good standing since payments were not made while in the Forbearance Plan. The matter was escalated to their Loss Mitigation Department. The issue was passed around throughout their operation, while my typically high credit score ( s ) plummeted severely. In addition to attempting to address this error in credit bureau reporting, I made a lump sum escrow shortage payment of {$510.00} on XXXX XXXX, XXXX. Subsequently, I learned that Shellpoint applied this payment as a regular monthly installment. I was told that making such escrow payment would not reverse the delinquent report to the credit bureaus. I was aware that these are separate matters. Overall, the servicing provided by Shellpoint has been problematic since inception. I have never experienced such issues with any of the many servicers that I have had since initially closing on this mortgage 25 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I have filed this complaint before without resolve. I am attaching the police report and Affidavit to this new complaint. I have attached everything that this company needs to do it's investigation. THE ORIGINAL CREDITOR XXXX XXXX IS NO LONGER IN BUSINESS. THE OFFICE IS permanently CLOSED THEREFORE THIS DEBT COLLECTOR Transworld Systems Inc. IS operating ILLEGALLY on there behalf. THEY HAVE NOT REACHED OUT TO THE ORIGINAL creditor to resolve this matter because they are no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Despite XXXX XXXX clearing me of the debt, and stating they asked credit bureaus to seize all reporting, Portfolio recovery still negatively impacts my credit report, and harassing me for the debt I never owed in first place. 
Their dispute tactics is horrible, After they requested all the evidence which i sent they lie and claim I've never sent anything so I'm gon na attach it to this report, So it's clearly sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I received a credit inquiry on XX/XX/2021, XX/XX/2021, from EXETER FINANCE CORP . I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc.
State: WA

Complaint narrative:
When we purchased our home in XX/XX/2021 our 1st mortgage was sold to XXXX from XXXX. Essex then proceeded to misplace at least two of our following payments and then took ACH deductions from a checking account we did not authorize. ( Because of them that account is now closed because the account was continually overdrawn ). We sent our monthly mortgage payments in each month to the company who sent us the invoice. Essex did not keep track of where or who was receiving these payments. Essex reported us to the credit bureaus as no payment thus showing us as delinquent for a few months. Fortunately we had a paper trail to be able to prove to Essex we were not in the wrong. It took 11 months and the start of a refinance to get Essex to reverse the no payments and fix the reported errors with all three credit bureaus not just one credit bureau. Now were nearly three months into a refinance and we cant close because Essex hasnt paid our property taxes due back in XXXX of 2021. Essex has been including the property traxes in our monthly mortgage yet claimed they didnt know it was their responsibility to pay them when they gladly collected and put the money in an escrow account. They paid the property taxes due the second half of the year and then sent us a refund check which now they claim they need back but none of it balances out in escrow. In the mean time we can not close our loan because were considered delinquent with the county, our credit score has dropped over XXXX points due to Essex errors and daily penalty fees are accruing with the county until Essex chooses to see this as an urgent matter and take care of it. We as the customer have our hands tied and can do nothing further but listen to them give us the run around how its not possibly their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-01-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Sent a request form into Annual Credit Report Request Service for credit reports with the 3 credit bureaus, I haven't received any reports to date. According to XXXX Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) they received my request on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Sent a request form into XXXX XXXX XXXX XXXXXXXX XXXX for credit reports with the XXXX credit bureaus, I haven't received any reports to date. According to USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) they received my request on XX/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 2022-01-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I received a credit inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021 from ALLY FINANCIAL. I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX,XX/XX/XXXX and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL 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 2022-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Way XXXX, Fl XXXX XXXX WESTLAKE FINANCIAL COMPANY XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX DEAR WESTLAKE FINANCIAL COMPANY, I am writing to you today regarding my Auto Loan Account Opened On XXXX which I had while I was in a financial agreement with your company. The purpose of my correspondence is to see if you would be willing to make a goodwill adjustment on the reporting of this account to the three credit agencies. 
I take full responsibility for the payment and I Am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative tradeline associated with this account from my three credit reports. 

As soon as I became aware of the balance paid the balance in full. I provided this not to justify why the account was unpaid, but rather to show that the issue is not a good indicator of my actual credit worthiness. I hope that your company is willing to work with me on erasing this mark from my credit reports. I work like to STRESS that the information currently being reported IS accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do not recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it may choose from the credit report. Im hoping that you will do that in my case for this account. Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX of 2021, PNC BANK, decided to place a hold on my account, without any explanation. There is actual proof that no letter was mailed out to my address regarding this hold, they never called me, or emailed me, to let me know the reason of this hold. 

I have over forty thousand dollars on my bank account, and they are all on hold without any reason. 

PNC is doing an illegal practice by using my money to lend out loans and buy properties, i am concerned they might be doing this to many clients. this is illegal and i will contact the news. 

I made a large deposit, which i understand can be hold while the funds are verified, the funds were verified within two weeks, therefore, there is no reason for the hold to be placed.

I have tried numerous times to solve this issue by attending more than five branches, where i verified my identity with my government issued identifications, there are recorded calls where branch managers call retail support confirming by identifications were ran through UV LIGHTS. 

I am sick and tired of waiting it is now 4 months that PNC has been holding my account without a reason without a judge court order. THIS IS ILLEGAL and i need my funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/XXXX I request Lexi Nexi to update their records correctly on all three of my credit reports. They refused due to not being able to verify my identification. 

Lexi Nexi is ordered to remove all incorrect information documented in this report. If it is not removed within XXXX business days of this complaint court actions will be taken : 1. Dismissed Bankruptcy XXXX 2. Duplicated Bankruptcy XXXX ( Dismissed Bankruptcy ) 3. XXXX XXXX, XXXX, XXXX 4. XXXX XXXX XXXX  XXXX charge off 5.XXXX XXXX XXXX XXXX XXXX XXXX They are reporting XXXX of XXXX I have not taken out any credit with this company. It is a collection agency. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( FRAUD ) All outdated information is 7 years and 10 years old. The Fair Reporting Agency does not allow information on the credit report which is not verifiable, which is not reported correctly, and which does not belong to me.

All information documented on my credit report which is a collection agency violates my privacy according to the Fair credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: Holloway Credit Solutions
State: AL

Complaint narrative:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. This is the 2nd time that I have reported these inaccurate accounts with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: IL

Complaint narrative:
Global Lending Services is in direct violation of the terms of our XXXX XXXX XXXX. Under the Federal Truth-In-Lending Disclosure Statement, the Prepayment terms states " You have the right to prepay the unpaid balance in full or in part at anytime without penalty. '' Global Lending Services has violated my Federal rights as a consumer. Global Lending Services ignored my requests, thereby denying to accept payment. The company did not acknowledge my request until after involving cfpb, as stated in the response letter provided by XXXX XXXX, XXXX Consumer Complaints Coordinator. XXXX states the company received the inquiry XX/XX/21, however, certified mail receipts indicate they received letters on XX/XX/21, XX/XX/21, and XX/XX/21. 

XXXX. XX/XX/21 - XXXX received my first request to pay off the loan, to which they did not respond. 
XXXX. XX/XX/21 - XXXX received my second request to pay off the loan, to which they did not respond. 
XXXX. XX/XX/21 - 54 days after ignoring my first requests, XXXX receives my request for the vehicle 's title, absent of XXXX as a Lien holder. 
XXXX. XX/XX/21 - XXXX receives cfpb complaint number XXXX for misreporting to credit bureaus. 
XXXX. XX/XX/21 - XXXX composes and sends offer letter without sending the original instrument of debt. 
XXXX. XX/XX/21 - I received a response from XXXX which expired XX/XX/21. 

In addition to ignoring my request for payoff and original instrument of debt, XXXX has provided a questionable contract document. 

XXXX. Hand written text has been added to the " location '' field. 

XXXXAdditional information has been added to the document after I signed. There has not been any contract amendments signed by me and the lender for this contract. 

XXXX. XXXX was originally unable or unwilling to provide information as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NC

Complaint narrative:
After requesting a permanent file freeze and suppression, " LexisNexis Risk Data Mgt , Inc. '' shared without my consent sold my credit report to 3rd parties. From understanding the continuing " SELL '' of my information/credentials that was collected without my consent to all 3 major credit bureaus is a violation of my consumer rights. For reference, my credit reports from XXXX XXXX XXXX all confirm that the information was furnished by a third party known as " LexisNexis. '' For several days and weeks, LexisNexis continue to ignore my calls and correspondence to address this issue that is negatively affecting my credit score. LexisNexis continue to furnish information publicly that IS NOT furnished by the courts to the credit bureaus. LexisNexis refuses to honor their letter confirming a freeze and suppression is active. Moreover, LexisNexis will not freeze nor suppress my files with accurate confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
I have never agreed paying this company I never applied credit with them this goes against the FDCPA I am requesting for validation under 15 USC 1692g.

Company response to consumer: Closed with explanation