vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have tried to communicate XXXX point mortgage, unfortunately I have not been successful. I have now received notices that I am delinquent on my loan, which is impossible since I prepaid my loan. 

I received the attached delinquency notice, which is impossible since I have prepaid my loan. My loan was refinanced at the end of XXXX and here are the scheduled loan payments period Mth Payment Interest Principal Date Balance Starting Loan Balance {>= $1,000,000} 1 ( {$8100.00} ) ( {$4500.00} ) {$3500.00} XX/XX/XXXX {>= $1,000,000} 2 ( {$8100.00} ) ( {$4500.00} ) {$3500.00} XX/XX/XXXX {>= $1,000,000} 3 ( {$8100.00} ) ( {$4500.00} ) {$3500.00} XX/XX/XXXX {>= $1,000,000} 4 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} 5 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} 6 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} 7 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} When I received the notice of the delinquency on XX/XX/XXXX, it shows that I had an outstanding balance of {>= $1,000,000}, which is even below what I would owe by XX/XX/XXXX. Attached are my actual payments and loan balances per Shellpoint 's own website. If I have prepaid my loan, how is it possible I'm getting notices of delinquency. This is a gross misrepresentation of what is happening.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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: VA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNT #S LISTED BELOW HAS VIOLATED MY RIGHTS>>>>>>>>>>>>>>>>>>>>> 15 U.S.C 1581 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. >>>>>>>> 15 U.S.C 1581 SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
EQUIFAX  INQUIRES
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
>>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX>>>

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXO
Reported: XXXX XXXX XXXX  $0.00 Closed

HARD INQUIRIES

XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-10 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: IN

Complaint narrative:
I am writing to delete the following information in my file. I item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I have contacted the creditors numerous amounts of time and still have not seen a change to my report. I am asking that this information is deleted immediately considering it has been very hard getting approved for a female to to even take my daughter where need be. I reported the theft of my identity to the Federal Trade Commission and also have enclosed a copy of The Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible.

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 2022-06-10 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: LA

Complaint narrative:
I XXXX XXXX resides at XXXX XXXX XXXX XXXX is a VETERAN of the United States XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX Transunion : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-10 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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  XXXX  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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I was under the impression that my student loan was deferred because of Covid. I never received any correspondence, calls, or bill to pay my loan, which caused a late payment. I only realized after signing into my school email and saw an email regarding a loan statement. I quickly paid the balance owed and called to see if they could reverse the late payment from my credit report, which they said they couldnt. I also never received correspondence stating that adverse action would take place. I have never had a late payment on anything and have paid this loan on time ever since and would like for this to be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: GA

Complaint narrative:
There is in correct accounts being reported on my credit report. There is a bankruptcy showing on my credit file. I need this investigated and removed from my credit report. I pay all my bills on time. There is no need for me to ever have filed bankruptcy. There are numerous hard inquiries showing on my credit report. I did not authorize for these inquiries to be ran. These are in accurate, and I did not sign anything for these inquiries to be ran. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Us Small Bus Admin Oda XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Us Depart Of Edu XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
In accordance to Consumer Fair Act XXXX XXXX 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 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 2022-06-10 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: Self Financial Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I received an alert that XXXX had performed a hard inquiry on my credit account, I do not know who these people are or what this company does or how they got all my personal info. I attempted to contact this company, their phone lines aren't monitered. I emailed them and they claimed they were owned by Self. I then contacted Self Via phone and email, their phone reps said it was a mistake made by XXXX, and it was not their fault at all. THEN I contacted XXXX Via phone and XXXX, their XXXX rep confessed it was their fault, however their phone rep claims it was XXXX. So at this point I was very confused, everyone admitted it was a large mistake, they just didn't want to accept blame. 
I started to do some research, apparently this happened to a LOT of people. By this point Self and XXXX hae thid posted on their XXXX page about this, you can check them out for a better idea of how many peopls mistake affected. Today, XX/XX/XXXX XXXX has admitted fault and claims it will be removed from my account ASAP, but no one would ever tell me what they were doing with my personal information, and how they intended to use it. I understand to them it may have been a mistake, but this is my life they are playing with, Self claims it will take weeks even IF they remove it for it to fall off my account, and there's no guarantee that my credit score will recover after this is fixed. Please look into this. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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:
TransUnion and XXXX have not deleted and removed : XXXX XXXX ( XXXX ) XXXX Bank XXXX XXXXXXXX XXXX From my account. It's been over XXXX days. 
I have supplied court ordered documentation to remove XXXX card and XXXX bank from my report. Proven fraud and acknowledged by XXXX XXXX XXXX and XXXX Bank ( documents attached ) ****XXXX is the only one that has compiled. 

Can you please help? After XXXX and with proof of fraud with a court ordered document to remove. TransUnion and XXXX continue to ignore my numerous ( in writing, online and phone ) requests for deletion.

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 2022-06-10 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I was notified by a mortgage lender that I was impacted by a recent scoring glitch related to Equifax. I contacted Equifax to discuss this issue ( as it has impacted me financially ) and I was told we are not aware of the glitch and there is nothing we can do. I continued to ask for my call to be escalated and explained that the glitch is public knowledge and the associate could XXXX. I was put on hold and now just listening to music as I believe the associate thinks I will just drop the call. I have some serious concerns about the ( XXXX ) reports that were pulled for XXXXXXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and then again in XX/XX/XXXX because of this glitch. I did finally reach Equifax customer affairs who was also not aware of the glitch. I asked if she could XXXX. She did end up finding more information and said that my mortgage lender needed to call their business office. As a consumer that was impacted by Equifaxs glitch why are they refusing to speak to me? I need to know more about the error and the large variance in my XXXX reports. I had a large decline when my XX/XX/XXXX report was pulled vs the previous reports. This glitch forced my lending company to do yet another hard pull on my report ( another financial impact ). I have worked in financial services for XXXX years so I am well aware of what impacts credit. I am building a home and have been working with a mortgage lender for over a year. No new credit was opened, no late payments, no reduced limits and only change was debt declined. I need someone at Equifax that can speak to this glitch and the impact I am seeing. I would also recommend the federal government to once again look at their policies and procedures for consumer cases. How did two customer facing Equifax employees not know about something that impacted consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Calls about twice a week. Does not leave message on my phone. Havent gotten any mail about what it is.

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 2022-06-10 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I have disputed this multiple times for multiple items on my report incorrectly added. The creditor would delete the item then either months or in this case they have added it after almost 6 months to a year later but now stating its a brand new collection with a more recent date of last missed payment date. It seems when it reappears on my credit the date they pulace as when it was opened is the most convenient date closest to the time it is added. There is never any consistency with what they place on my reports for the same account. 
SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
i told them that debt wasn't mine and to stop calling me. i even called the cc that the debt was from and telling them that the debt wasn't mine but was told that this is no longer in there hands and they sold my debt to the company Resurgent /Lvnv funding. i asked multiple times that they stopped calling and to please fix this on there end and they never have, all i received was calls for collections on a debt that i don't own no matter how long i called them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo keeps screwing up my account- I am being charged outrageous fees. In the last few months their ATM screwed up my deposit and Wells Fargo STILL has way too many accounts opened in my name. We attempted to make deposits ... and the ATMs around here always seem to malfunction. 

We have attempted to work this out before, but Wells Fargo keeps trying to mess with us. I'm fed up with the bankers at the branch and just want them to stop predatory behavior when it comes to the people they purport to serve.

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