vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I received an escrow statement dated XX/XX/XXXX, advising not only that there was an escrow surplus of {$200.00}, but that there was also an expected shortfall over the next year of {$85.00}, which would result in an increased monthly payment. Per my mortgage note, I am required to cover the shortfall and may do so in no more than 12 monthly payments. On XX/XX/XXXX, I made an additional escrow deposit of {$200.00} to cover the anticipated shortfall. I advised Shellpoint Mortgage Servicing of the same on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and further advised that there should be no change to my monthly payment. 

Despite covering the anticipated shortfall with an additional escrow deposit, Shellpoint has failed to respond satisfactorily to me, has ignored my request in breach of my mortgage note, and increased my monthly payment, beginning with the payment due XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: U.S. BANCORP
State: MS

Complaint narrative:
Anything that is showing up on my 3 bureau credit reporting company and any other data reporting company that take our info. I'm a person that has never had credit cause always denied and I always wonder why ... After 3 months of figuring out how credit company 's work and data company work and XXXX and XXXX and XXXX them sites work... I found out why I could never get credit and always had to operated using cash .... I've never had a car finance or a house because credit stayed messed up .... But how can my credit be messed up if I haven't ever had credit to mess up, I kept asking myself that question .... And end up coming across 9 merchants that has been fraudulent accessing history without my authorization .... Have tried disputing them thru XXXX but not getting help .... I just want my life that's been stolen for years now back and any funds taking from any trust to be recouped back and resourced back to the to rightful control in party in matter .... Companys like XXXX I see why they trying to steal people info .... The news show them being bankrupt so now they try to hold others innocent ones down by messing up there name .... And I'm tired of wasting my life fixing somein I didn't have any place in doing .... I been a victim I this since birth when us state representatives change my birth certificate 18 days after born without authorization from the owner or his parents .... I have all my proof as well the same proof that bout to be submitted to OIG and supreme Court and secret services to present ....

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 2023-03-30 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Acct # 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 2023-03-30 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Acct # 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 2023-03-30 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX IN. XXXX ' Acct # 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 explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Here is the letter I sent to Barclays regarding this problem : Ever since I signed up for the AAdvantage Aviator credit card in XX/XX/, its been nothing but a nightmare. 

I have never received an online invoice from Barclays for my account ending in XXXX, which has resulted in numerous and costly late fees. 

Recently I received a letter from Barclays indicating both my credit line and my credit score had been reduced due to late payments. 

When I called Barclays to investigate this problem, I was told that I had a XXXX ( {$0.00} ) balance at the end of XXXX XXXX but that there was a subsequent {$10.00} purchase on XX/XX/. The charge appears to be from XXXX XXXX with no indication of what it was for. I do not recognize this charge nor has Barclays been able to identify what it was for. 

Because I never received an invoice from you, I was not aware of this charge for a purchase I never made and believed there was no outstanding balance on the account. Unbeknownst to me, my account began accumulating substantial late fees that now total {$72.00}. Without this charge the account wouldnt incurred no late charges, interest or fees. I have placed this charge in dispute ( see below ). 

Last week, my husband XXXX XXXX made several attempts to rectify this situation by phone. With my authorization, he first spoke with an agent who understood the issue but lacked authorization to correct the problem. This agent scheduled a call back from a manager who would have the proper permission. The manager left a message. 

When my husband returned the call, he spoke agent ID # XXXX and was told that he was no longer authorized ( despite this being the same day as he was authorized ) to discuss the issue so she wouldnt speak to him. 

On my husbands third attempt, he spoke agent ID # LASMCK who said she was authorized to speak to him but refused to do anything about the situation. Consequently, my husband formally put the {$10.00} charge in dispute. Despite that, the letter I received indicates that this charge still hasnt been put into dispute. 

I expect Barclays to remedy this situation by : 1. Removing the disputed {$10.00} charge from my account. 
2. Canceling any and all late fees and interest. Without this charge the account had and would still have a {$0.00} balance. Late fees and interest are inappropriate. 
3. Refunding the annual fee of {$99.00} given the excessive amount of time I have spent dealing with this problem. 
4. Notifying XXXX XXXX and any other credit bureaus of the error so my credit score is restored. 
5. Sending me a formal letter saying that the account is not in arrears and never has been. 
6. Canceling my account immediately.

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 2023-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp
State: SC

Complaint narrative:
On XX/XX/XXXX, I attempted to make a payment that was returned 2 times. Not understanding why it was being sent back to the bank ( XXXX XXXX ), we made a direct payment on XXXX website. The confirmation stated payment was made with Union Mortgage. It seems the loan was sold. 

As our fiat currency currently is being made worthless and banks and lenders are collapsing and creating new businesses to sell to, I can not accept this sale as legally binding. 

I hereby claim that XXXX XXXX and Union Mortgage are violating the CARES act and are at fault with several mortgage servicing violations as well as unfair and unethical financial practices. Payments will not be made until the matter is properly investigated. 

Please provide the entire sales contract of this note. 

Please provide all of Union Mortgage and XXXX documentation that include but are not limited to, Certificate of existence, Articles of Organization, Articles of incorporation, Foreign Qualifications, Apostille, business licensing and permits, federal tax ID. 

Furthermore, please specify what currencies Union Mortgage will be accepting for payments should the sale be legal. Is union mortgage using Fiat currency? If they are not, then the Mortgage is voided. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2023-03-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my XXXX XXXX credit report. I recently retrieved my credit report and it showed 2 credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX account is reporting {$790.00} balance when the balance for two months has been {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Somebody got an at & t internet connection in my name at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  then transferred it to another address i have always stayed in XXXX XXXX XXXX XXXX XXXX. i dont know how they got my information? next thing i know i get a collection letter from a service i never had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
We switched our business bank account from XXXX XXXX to XXXX XXXX and updated it on our square account. 

Square holds nearly {$2000.00} of our money in savings, these funds are from day to day business operations and need to be accessible.

After changing bank account, Square informed us that account funds transfers would be unavail

able for the next 24-48 hours while they review the account to make sure everything is okay.

Flash forward two weeks later, multiple phone calls, case escalated, and we still have no access to our funds. 

We will loose our entire business if we do not have access to these. If this does happen, we will be filing a lawsuit against Square Financial Severices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: Block, Inc.
State: GA

Complaint narrative:
Cash app is not giving my money back from a cash app user who scammed me I sent XXXX for clothes and never got them tracking number when I ask for tracking never got again I asked for my money back and the person who Im thinking I am buying from said she will tell her brother to refund me but never got it I sent a refund request he declined once I said I was reporting them I was blocked this was on or around XX/XX/22 I contacted my bank who still has yet to get my money back cash app needs to be shut down asap they are stealing consumers money and nobody seems to care XXXX  XXXX XXXX or Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX account is reporting {$790.00} balance when the balance for two months has been {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My husband and I were alerted in XXXX of XXXX  by the IRS that someone used my social security number and name to open up a PayPal account or credit card and took in {$53000.00} from XXXX XXXX. They only used my name and social security number and a different email address, phone number and address so we never knew about this until the letter from the IRS. At that time I spent XXXX weeks dealing with PayPal and they conducted investigations regarding this matter and found the account to be fraudulent in my favor. At that time, they told me that they would sent information to the IRS stating it was not my income and they never did. Now recently we are getting more letters from the IRS stating we owe them money. I recently contacted PayPal regarding this account and they gave me all the information of the fraudster that used my information. They gave me the email they used, phone number and address. Yesterday I contacted PayPal again regarding this matter because the IRS needs that 1099 amended from them and they were supposed to send me an email and letter to the IRS stating that the account was in fact found to be fraudulent and it was not mine. I have yet to receive the email. The IRS has sent us numerous letters regarding this matter and is wanting us to pay well over XXXX in taxes due to this income that was not mine. All we need help with is getting information from PayPal stating that the fraudulent account was not mine and we also need an amended 1099 sent to the IRS. I have made numerous reports regarding this incident to the FTC, IRS, and FBI. We are currently working with a lawyer to help us with the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/2023

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
M & t mortgage received a payment from HAF on XX/XX/XXXX and has not applied it to my account I was told to pay the difference {$140.00} and then the full payment would be applied totaling {$1100.00} I called made two escalation for the payment to be applied and it has not been fixed and my account is saying Im 29 days past due for XXXX payment

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 2023-03-30 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Someone had gotten a hold to my information and purchased plenty of things with my stolen debit and Id card I then had to replace along with other things that came up missing in the aftermath. I thought this was something from XXXX that I purchased from XXXX XXXX for XXXX and maybe they may have gotten the amount wrong but I still didnt understand why it is over XXXX Ive never purchased anything for this much but after looking further into after I been trying to figure out what is this and why is it showing up on my credit report this is an unauthorized charge I dont know where this came from and I would like them to investigate this so I can get it removed asap its putting me in serious debt and its not my debt I didnt do this I dont know what this is and have tried calling XXXX XXXXXXXX XXXX after looking up the number online and they never answer the phone I can never speak to anymore I left messages I tried calling another number of theres that came up and I still am not able to speak to anyone

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 2023-03-30 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: OH

Complaint narrative:
I have been unable to obtain my Equifax credit report for years. I have made countless attempts including hours on the phone and in prior years, I have faxed in requests with documentation to get access. I spent over an hour last night only to be given a fax number that was the phone line! I didn't realize it at the time until I tried to fax this morning. I have only had XXXX names during my life. I have had the same phone number for over XXXX years and been at my current address for nearly as long. I can nail every question they use to verify who I am, but because they have something wrong on their end I can not access, dispute, monitor and have been denied credit. I suspect what they have wrong is related to my name or address. The lady told me last night it is my responsibility to notify the credit bureau when I change my name. I have never notified any credit bureau as such and quite honestly, I am not comfortable sending copies of my driver 's license, social security card, marriage certificates and other requested documents through the mail in one envelope. I work in the insurance industry, and I see claims often for identity theft. I feel like I am handing them the tools to steal my identity by sending everything in XXXX letter. I tried this with social security when I needed to update my name and they said they never received the package, and it had my original marriage certificate in it as required. Now I no longer have it and I was married out of state. Recently I had to request a replacement and it was almost {$100.00}. They have an option to make a request online, but because they have something wrong, I get an error every time and it will not allow me to make my request. I would like a usable fax or email address that I can send them my documents to them without using the US Postal Service. I have documents, but I am not going to attach them because they have my personal information in them such as social security, DOB and other details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: OH

Complaint narrative:
I filed a dispute with Experian for a bankruptcy that was reported on my credit report and was notified by Experian that this dispute was received and opened on XX/XX/2023. There were also 2 additional disputes that were opened for accounts that were listed as included in this bankruptcy which was XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX. 

The bankruptcy was removed from my report on XX/XX/2023 and the credit acceptance account was removed as well. The possible finance account should have been removed as well as the credit acceptance account. 

If the account is showing that it was included in bankruptcy and the bankruptcy has been removed then this account is reporting inaccurately, and illegally and needs to be removed immediately. 

I demand that this account be removed from my credit report immediately due to was reporting in bankruptcy and the bankruptcy was removed.

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