vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX Account Number : XXXX XXXX : {$580.00} 2. XXXX XXXX Account XXXX : XXXX Bal : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
I am attempting to cash out refi with my current mortgage co Flagstar. On XXXX I contacted Flagstar to obtain a HELOC which they said they cant do so I asked for cash out refi. 

Daily to date, I have extensive emails trails of Flagstar imparting arbitrary rules and requirements on me that appear to be purposely designed to prevent me from obtaining the cash out refi. They ordered me to sign their prepopulated form of data that was factually incorrect & refused to correct the formI contacted a local Flagstar branch in XXXX VA who very helpfully escalated my concerns. The form was 80 % updated for factual correctness. 

Flagstar has asked me daily for new and unspecified information without articulation, refusing to complete a final list of true requirements from me, and also refusing to provide an estimated close out date for me to receive the cash out refi money. 

My personal experience to date in this process seem to me only to be in line with Flagstars historical record on CFPB of still not ethically adhering to mortgage servicing rules : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-flagstar-bank-for-violating-new-mortgage-servicing-rules/ TheyXXXX are effectively holding me back and preventing me from purchasing a home by not performing duties required and clearly communicating requirements for me in order to run my cash out refi process. 

Daily emails between me & Flagstar appear to show new arbitrary requests that they eventually conquer once I pressure them to apply some measure of reasonable thought. They have asked me to complete non existent forms without a specified format, asked me to provide proof of assets without justification, have gotten my address wrong on binding documents, insisted on contacting my ex-spouse as part of my sole property ownership process, not responded to multiple requests to update their errors in their own forms, asked me to complete forms that are not on any official letterhead, called me instead of written me back in order it appears to avoid a written record of further incompetence in how they process my cash out refi.

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 2022-08-10 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: TN

Complaint narrative:
There is misleading information that is reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  XXXX Account # XXXX 30 days late in XX/XX/2022.

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 2022-08-10 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: TN

Complaint narrative:
There is Inaccurate Data that is reporting on my credit report

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 2022-08-10 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: TN

Complaint narrative:
There are Misleading and Inaccurate information that are reporting on my credit report

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 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Around XXXX, or XXXX of XXXX, my mortgage was sold from XXXX XXXX to Shellpoint Mortgage. I was ending the covid forebearance and I asked that the payments be put towards the end of the mortgage so I could get back on track paying it. I was sent a letter saying I had what's called a SPOC, which means Single point of contact. I thought it was great that one person was handling my problem. I had her fax, her name, 2 people in fact. I spent many hours trying to contact my " SPOC ''. I could never reach her. XX/XX/XXXX, I received a letter from Shellpoint, XX/XX/XXXX I called again XXXX @ XXXX am, nothing, can't get a hold of anyone. I left numerous voicemails or they could not direct me specifically to her. I was then given her " direct line '' XXXX X XXXX ( XX/XX/XXXX nothing ) .I called XXXX, the main line, they did't even know who this person was, but let me put you through her voicemail, nothing. I could never get a hold of her. In XX/XX/XXXX I send the pay stubs they asked for ( 5 faxed pgs ) nothing, didn't get it. XX/XX/XXXX again I sent 7 pages by fax ( forms that were requested ) at XXXX pm, nothing was received. XX/XX/XXXX, I again faxed her bank statements, nothing. I faxed them again XX/XX/XXXX ( fx XXXX ) nothing. I faxed more forms XX/XX/XXXX at XXXX am, nothing. I even faxed the SPOC to call me at my cell number, nothing. I was given 2 names of people to help me, still no resolution. I was then given a gentleman 's name still nothing. Since I hired a lawyer, I was told, anything Shellpoint sent, send it to the lawyers. The SPOC was XXXX XXXX, XXXX XXXX and finally XXXX XXXX I've actually spoken with XXXX who said he would like to help me. He called me on my way home this past Thursday XX/XX/XXXX at about XXXX pm EST at which point I asked that he call me Friday XX/XX/XXXX at XXXX am. He said that's perfect, I was off so we could talk. He never called. This is still pending. 
Try calling Shellpoint at XXXX, you won't get thru to them and they will tell you " oh, she/he is not in this building '' I'll send you to the voicemail. Nothing. 
I had 3 phone numbers, a fax number, again nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sending this complaint because I still believe there are some errors on my credit. I would like CREDIT BUREAUS to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please evaluate the following items : XXXX XXXX XXXX XXXX**** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$93.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$190.00}

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 2022-08-10 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act any inaccurate date, information, reported account history, and addresses 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. 

I pulled my entire credit report and noticed inaccurate dates, addresses, missed payment info and account history, remarks and information. I decided to write 409 letters to each credit agency on XX/XX/2022 to fix this. As well as a verification of method used letter on XX/XX/2022 to follow up and verify information that was verified. I also wrote a demand and comply letter to continue to try and resolve the matter.

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 2022-08-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am sending this complaint because I still believe there are some errors on my credit. I would like CREDIT BUREAUS to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please evaluate the following items : XXXX XXXX XXXX XXXX**** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$93.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$190.00}

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 2022-08-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending this complaint because I still believe there are some errors on my credit. I would like CREDIT BUREAUS to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please evaluate the following items : XXXX XXXX XXXX XXXX**** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$93.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
i currently have an application with the HAF Indiana. during this long process i asked PNC if getting amount past due deferred would interfere with my application in the future for assistance and was told no. well now i am almost to the end of the process. it has interfered and I am not going to receive assistance for deferred amount. i am so confused. i had to already sign off for assistance on homeowners ' insurance due to state farm did not do on boarding and now this. any information will be appreciated. i have emailed my housing counselor as well thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: TX

Complaint narrative:
This is my 13th attempt to notify that I am a victim of identity theft and I sent a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these unknown Items listed must be deleted : XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$77.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date 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 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Union Bank charged my checking account on XX/XX/2022 overdraft fees that are not valid. 
This fee was caused by the change of the order in which transactions were processed on XX/XX/2022 and XX/XX/2022. To date a total of {$110.00} in overdraft fees have been charged to my account.

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 2022-08-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I never gave my lawful consent for anyone to furnish on my consumer credit report such as my name, my address, social security number, these non affiliated third parties has false pretenses and deprived me of my rights due to perform or exercise I was denied extension of credit for INACCURATE and FALSE PRETENSES of any person knowingly and willfully obtains information on a consumer from a consumer credit reporting agency such as EQUIFAX, XXXX, XXXX XXXX under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. If you can not show proof of my documentary evidence or wet ink signature of my lawful consent of any transaction that took place between the creditor and the debtor that means any false information is willfully and knowingly that this is INACCURATE and FRAUD and I DEMANDING that you DELETE all FRAUD from these accounts that reported on my consumer credit report on their will be consequences and penalties for the violations.WITHOUT PREJUDICE BEST REGARDS, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: TX

Complaint narrative:
This is my 13th attempt to notify that I am a victim of identity theft and I sent a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these unknown Items listed must be deleted : XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$77.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date 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 2022-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my 13th attempt to notify that I am a victim of identity theft and I sent a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these unknown Items listed must be deleted : XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$77.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My paypal account, under the email : XXXX, was wrongfully closed by paypal, and the funds never released, as they stated several times to me that they would be after 180 days. they stated that they were able to confirm I resided in XXXX  yet received unemployment from another state, this is NOT true. In 2019 I moved to XXXX, Massachusetts. Not to mention where I reside is not anyone who respresents paypals concern, and whether or not I qualified for pandemic unemployment assistance, is also NONE of paypals business, however for the sake of receiving my funds that paypal is wrongfully holding, I have provided the monetary determination from MA DUA. MA DUA deposited funds to my paypal account, which by the way is a FDIC insured account held at XXXX XXXX, and paypal suddenly decided to close my account, and keep the pandemic relief funds I desperately needed at the time of the pandemic, which further caused me a greater amount of financial, and emotional distress. I have provided my monetary determinations sent to me from MA DUA, in regards to whether or not these funds were " fraudulently obtained '', it shall clear up that false statement made by paypal, as it clearly shows the funds were mine, and that I resided in Massachusetts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have 3 inquiries that are not mine. I called to dispute these and met a ton of rsistance no cooperation. I sent three certified letters. One for each inquiry ( certified mail ). These requests have gone ignored which is very consistent with Experian 's culture. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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 2022-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-08-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has violated my consumer rights. I have tried to dispute the erroneous information on my credit report numerous times the most recent being XXXX of XXXX A proper reinvestigation was not done pursuant to 15 USC 1681. The accounts were indeed verified by Equifax and remained on my report even though it is against the law for it to be there, especially without my consent. Since the information could not be verified pursuant to the FCRA it has to be removed. Equifax has failed to do that. I called Equifax on XX/XX/XXXX to have the accounts removed and was told by XXXX that I would be able to have to accounts removed. She gave me a confirmation number and told me my account would be updated in 30 days. I got an alert on my credit file that Equifax had not removed the accounts but started another dispute, which I specifically said I did not want. XXXX did not tell the truth nor do her job which is to remove all the accounts that she said would be removed that I have disputed as being erroneous. This has greatly affected my ability to have any credit extended to me because my score is so low due to this being improperly reported and subsequently improperly reinvestigated. Equifax needs to do their lawful duty and correct my report.

Company response to consumer: Closed with explanation