vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I currently use the online system for New Rez and during the month of XXXX I did not hit submit so my payment was late. Once I checked my account and saw that my payment was late I decided to make an early payment for XXXX because I am working out of state and did not want any issues. So I made the electronic payments online on XX/XX/2022, and paid the amount of XXXX for my XXXX payment and XXXX again for my XXXX payment online through their system. Each installment stated this was the amount due and I proceeded with those payments. I checked my bank account a few days later to make sure the payments came out of my account. On XX/XX/2022 I received an email that I was two payments behind and I called New Rez. I was told that on XX/XX/2022, New Rez sent a letter out to inform me that my mortgage payment was going up in XXXX. I explained that in no way could I have made my two months ' payments and received the letter in the mail the same day. The company never called or emailed me about the discrepancy. I was told since the payment of {$930.00} was not made and I made the payment that appeared online at the time of XXXX. New Rez did not know what to do with the money that I clearly submitted online for my XXXX payment, they applied it to my principal portion of my loan. Never issue the money back to me, calling, emailing me, or trying to get in contact with me. I received a 30-day late on my credit that I have never had a mortgage payment 30 days late in my life. this is unfair and how Americans end up in financial situations we can not get out of. If my payment changed it should have been reflected when I made the XXXX payment online. I paid was was stated that was due at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: CA

Complaint narrative:
To whom it may concern : I sold my home on XX/XX/XXXX. XXXX  the lender was paid off in the month of XX/XX/2022. 
PNC the lender reported me to all 3 credit reporting agencies as 30 late for the month of XX/XX/2022 which affected my credit and my chances of qualying to buy a new home, as my creedit score dropped by over XXXX points, and I can't qualify for a loan due to the 30 day late on my credit report. 
Please help get t his resolved as the client services at PNC are not willing to resolve this issue, i called them on XX/XX/XXXX & XXXX XXXX  and both client service agents where rude and did not help me at all. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MI

Complaint narrative:
I have complained numerous times to XXXX  XXXX XXXX about a debt that was opened fraudulently. They sent me paperwork showing balances which are not mine. I have written to them and sent them letters and have tried to dispute with three credit bureaus with no resolution.

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 2022-04-19 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: MI

Complaint narrative:
I have complained numerous times to XXXX XXXX XXXX about a debt that was opened fraudulently. They sent me paperwork showing balances which are not mine. I have written to them and sent them letters and have tried to dispute with three credit bureaus with no resolution.

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 2022-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
At first i was approved only {$510.00} and was received thru direct deposit on XX/XX/XXXX on my bank account plus i've chosen to make the payments in auto pay I've proof that the company speedy cash have taken two payments of {$140.00} on two occassions at XX/XX/XXXX and at XX/XX/XXXX but what i saw was that my loan wasn't decreasing and lastly i was running out of money on my bank account and they couldn't take nothing which the bank charged me like 4 times {$34.00} and another $ {$34.00} because that company was charging the bank and i had to paid it and now i want to dispute on the letter that i have of you charging me {$820.00} like why is it alott i didn't even asked for that much i still have proof that at the end i was just owning {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Open Dealer Exchange, LLC
State: GA

Complaint narrative:
unauthorized hard inquries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Received several letters in the mail which claimed a prepaid debit card was blocked. I do not have a prepaid debit card. Letters had Bank of America letterhead but an address which is not a B of A address and an XXXX number which is unknown to the real B of A. I do have multiple accounts with B of A. An account number was on the letter which is not one of my accounts. 
The return address was XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I have a crypto account with Gemini Trust Company LLC, located in the State of New York. On XX/XX/2022 I attempted to purchase {$310.00} worth of Doge crypto currency, but in error I typed {$3100.00} which made it appear as if I was purchasing {$3100.00} worth of Doge crypto currency. My bank immediately stopped payment on that transaction thinking it was fraudulent, and the Gemini company contacted me by email to say my account was frozen, as they too also thought it was a fraudulent transaction. The {$3100.00} transaction was not approved by my bank, which I found out later, and I also never received {$3100.00} worth of Doge crypto in my portfolio. The freeze has since been removed but I am unable to purchase or trade and my account has a notification that I would not be able to have full access until I sell my other crypto currencies, or transfer cash to my account to offset the negative {$3100.00} I am now being charged for crypto currencies that are not in my portfolio. 
I was assigned a ticket for this case. If you need that number please let me know. 
Thank you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-04-19 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.

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 2022-04-19 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: IL

Complaint narrative:
I sent TransUnion a letter dated XX/XX/22 to request verification of debt and HIPAA authorization including the following : Per my rights under HIPAA, I requested : - Copy of my signature with XXXX XXXX to release my medical records. - Full documentation of what they received from XXXX XXXX in connection with the alleged debt. Per my rights under FCRA Section 609 ( a ) ( 1 ) ( A ), I requested the following : - The names and business addresses of each individual with the debt was verified for follow-up - The date the individual furnisher was contacted - The method the furnisher was contacted - The method used to verify the information - The original consumer contract with my signature on it XXXX sent me an updated credit report stating the information was verified TransUnion hasn't responded. I never received any type of verifiable proof of this debt or a consent form giving my HIPAA authorization from TransUnion OR XXXX XXXX  ( furnisher ).

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 2022-04-19 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: OH

Complaint narrative:
School was closed and they failed to keep communication about loans and grants after I applied for school finances. I have applied for loan forgiveness a few times, along the applying the the programs through the COVID times. At the time of my attending they said they would being closing before my degree was finished for legal matters. What I need to do to resolve this cause it is still showing up on my credit reports and accounts when I try to enroll with other schools and they fail to communicate with me. 

XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: OH

Complaint narrative:
School was closed and they failed to keep communication about loans and grants after I applied for school finances. I have applied for loan forgiveness a few times, along the applying the the programs through the COVID times. At the time of my attending they said they would being closing before my degree was finished for legal matters. What I need to do to resolve this cause it is still showing up on my credit reports and accounts when I try to enroll with other schools and they fail to communicate with me. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
unauthrzed hard inqurit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I got a loan for my car with Santander consumer on XX/XX/XXXX and authorize them to run a credit report on that day, all paperwork and account information was done and I got the loan, the day after that XX/XX/XXXX I have another hard inquiry from Santander and I did not authorized that one and I don't see why they would check my credit again for no reason. I called them and explain and they referred me to the 3 credit bureaus so I called them and they told me that this is coming from Santander and they needed to provide a deletion letter so the credit bureaus can remove that from my credit report, I circled back with Santander and this time they told me that they don't offer those letters and that there was nothing they could do and that if I wanted I could create a fraud report so an investigation can be done and that can be removed from my credit, so here I am, hopefully this can be resolved, once I get the letter or the report of fraud I can send that to the credit bureaus so they can remove that from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2022-04-19 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My loan went into the CARES Act Deferment. When we were coming out of deferment, i had selected to go thru an approved modification offered by XXXX XXXX. 

Shellpoint then required me to enter into a trial program for 3 months before they would approve this modification. When you logged into their site, this was the only item they asked for payment for, there was no way to pay any other loan, or see anything else was past due. 

I made those payments on time, and it took several more months because of problems with their paperwork ( they would send me one copy of the loan modification, so I would sign it and send it back, and they would say they needed 2 copies. Then they said we didn't fill the form out correctly ) During this time they reported the original loan as past due. Their excuse is that I was making payments on this new loan, while not making my payments on my old loan. I was making every payment I was made aware of. 

I had no idea I would have to pay 2 mortgages at the same time to not fall past due on the original mortgage. I have requested they make this accommodation twice, and they have denied it because even though I did make payments, they say I didn't fufill my contract on the original loan. 

While I have gone thru this process, I have made every payment we agreed to on time, yet they have reported me past due as 30, 90, 120, and 150 days on all my credit reports. To me this feels like an accounting error on their part, as there was no way for me to apply those payments to that loan, their payment portal only allowed it to be applied to this new modification. I had no idea the other loan was falling past due while doing this. You can look at my payment schedule and see how I made all the payments on time, but they were applied to this new trial mortgage instead of my original mortgage, which caused the original to fall behind. 

You can see on my payment schedule that these payments are on my account as 'unapplied payments '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: GA

Complaint narrative:
Dear XXXX I was instructed by XXXX to send the Internal Revenue Service so that they may attach it to my file. They are in the process of investigating to help me clear my fraud activity from my credit file. I ask that you can send this to Equifax and XXXX as well to attach to my file with hopes that they remove the accounts that I have been disputing. 

This is an official document from the IRS and it gets no more official than this. I am still being plagued with ID Theft. 

Thanks

Company response to consumer: Closed with explanation