vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I just found out that Shellpoint has been charging me for additional insurance since XXXX XXXX when I had in fact both the required insurance ( HOA and homeowners ). I even submitted a copy of the HOA insurance certificate through the website used by the mortgage servicing company and uploaded my HOA insurance back in XXXX. They ignored my insurance certificate and started billing me for additional insurance until I found out this month. In total I was charged an extra {$480.00} as extra insurance when I was not aware or did not need it. Shellpoint has the contact information for my HOA and could have contacted them directly for verification if needed. They also have the previous certificate with the agent information on it. I provided the copy of the insurance certificate when asked back in XX/XX/XXXX. 
They have been charging me extra, therefore increasing my monthly mortgage payment. This is fraud and unprofessional. It definitely needs to be investigate. 
You will find attached copies of the insurance certificate from HOA and email confirmation from the 3rd party company they requested to have my insurance uploaded to. I also submitted a copy of the letter I received back in XXXX for the same HOA insurance where you can see the 3rd party vendors information website where to send documents.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: CT

Complaint narrative:
I made a mortgage payment of {$1400.00} on XX/XX/2022 and another payment of {$1400.00} on XX/XX/2022 and received my regular confirmation and receipt via email from Home Loan Serv company. Home loan Serv is still alleging that i did not make my payments even after i have sent them multiple letters and proof ( via certified mail # XXXX, # XXXX and # XXXX ) - stating otherwise and now they are charging me extra fees and have blocked my account so i can not continue to make my payments, causing me stress and they continue to report negative things to credit reporting agencies. I have told them to stop reporting all my information to all third parties but they continue to do so and refuse to rectify this billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WSFS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Credit card account has opened up in my name and it was not by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-04-16 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act.The List below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX Has Violated my rights. 15 U.S.C 1681 SECTION 602 A States I have a 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 agencies 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 7 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 explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2023 I made XXXX payments through XXXX XXXX of XXXX dollars XXXX dollars and another XXXX dollars. later those three were refunded to me. XXXX XXXX  told me that the funds would be available to me on Wednesday XX/XX/2023. They were not available and these transaction did show in my chime account in checking. When the funds was not available to me in chime I then spoke with XXXX XXXX and chime. On Thursday XX/XX/2023 I went to file a dispute on those three charges and many other one which chime has been fixing those but I could not file a dispute on the XXXX, XXXX and the other XXXX dollars that XXXX XXXX refunded me on XXXX XXXX which went back to my bank account on XX/XX/2023 XXXX XXXX and XXXX XXXX said that refund was completed but conveniently those transaction are no long even viewable on my chime checking account. I have been on the phone sending chime proof of all this by screen shots I have been taking this time because this is not the first time chime has done this and there was nothing I could do about it because I did not have proof but this time I have the proof and Chime is not doing anything about this. This is XXXX dollars that Chime has stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
as of XX/XX/2023 i have noticed fraudelent accounts and inquiries on my credit report account name : XXXX XXXX XXXX XXXX XXXX XXXX open date : - date of last payment XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
as ofXX/XX/2023 i have noticed fraudelent accounts and inquiries on my credit report account name : XXXX XXXX account # : XXXX open date : - date of last payment 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 2023-04-16 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I recently checked my credit report and noticed that I have unauthorized inquiries and information that I didnt give my consent! I want all of these inquiries removed from my credit report asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
AS OF XX/XX/XXXXI HAVE NOTICE FRAUDELENT ACCOUNTS ON MY CREDIT REPORTS account name : XXXX XXXX account # XXXX balance:XXXX last active 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 explanation
Consumer complaint received 2023-04-16 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: NE

Complaint narrative:
Erroneous information being reported

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 2023-04-16 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: NE

Complaint narrative:
Erroneous information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am someone with perfect credit history & uses my checking account on a weekly basis but this did not stop chase bank from holding my money for over 3 yes 3 WEEKS stating my account at first was pending until the Wednesday of the following week only to close my account with no explanation it has been already 2 week since that date & they still have yet to send me the check from the couple thousand I had in there it is now Saturday night & the rep I spoke to on the 24hr hotline was the one who informed me the check has still not been sent?! Then once the check sends they say it takes 7-10 buisness says so they put my account on hold for 2 weeks only to close it unbenouned to me & then they are taking a week or more to send the check making this 3+ weeks of waiting for MY HARD EARNED MONEY I have been a customer for over 8 years with no issues they have also made it impossible to access previous bank statements which are needed stating I need to waste more of my time they have already stolen from me to go into a branch to speak to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: MI

Complaint narrative:
I sent the credit Bureaus letters asking them to verify the debt on my report. they have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: MI

Complaint narrative:
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: IL

Complaint narrative:
On XXXX I paid my bill with Att off completely and CLOSED the account. I transferred all my devices to XXXX. XXXX had to unlock all my devices for me to switch them to XXXX network. On XXXX all my devices were activated on my XXXX account. My bill was paid to zero. If I didnt pay my bill owed they would not release my devices. They have now sent me to collection saying I owe them {$68.00} for my watch still being active on their services but it was not. Ive contacted XXXX back in XX/XX/2020 when they sent me a bill and told them that account was closed on XX/XX/2020 they said theyd fix it and apparently they never did. It is now on my credit report and I dont owe them nothing. The new creditor calls me all day harassing me. Ive told them I have proof and was willing to send it in. Theyre not trying to hear me. I need help getting this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: DC

Complaint narrative:
Received call from someone at CBE group asking to speak with me. They identified me by my full name and said they were calling on behalf of another organization, but before they could disclose anything I needed to verify my name and 2 pieces of identifying information including phone number, email, and/or address. I refused and asked what it was in reference to - said they could only tell me it was on behalf of a clinic I visited 2 years ago while living elsewhere. I immediately hung up, called the clinic, spoke to billing manager who indicated that I had XXXX  outstanding balances with them and they never sent my information to anyone. They provided me with a statement attesting to this fact. I immediately called CBE back and asked to speak with a supervisor. They refused to disclose anything without me verifying any personal information. I said no and they said they were beholden to regulations that prevented them from sharing what the debt owed was for. I read verbatim from the FTC site that said they had to disclose amount of alleged debt owed within 5 days of contacting me. I received another call a few days later, going through the same process. They were all located in the Tennessee office- XXXX, XXXX, and XXXX. It is super predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My last name is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NJ

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. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-16 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: PA

Complaint narrative:
I reached out and placed a complaint with the cfpb about XXXX or XXXX weeks ago. About the fact that the credit reporting agencies failed to respond to numerous letter that had been sent. XXXX sent on the XXXX and another on the XXXX of XXXX. Many letters were sent before that but these are the XXXX I would like to focus on because these are the XXXX I made complaints. About. The agencies are required to respond within 30 days and they did not in fact I made that co plaint to the cfpb and during the investigation time that's when they decided to send letters but their 30 day period to respond had already finished I would like the cfpb to require these agencies to remove my information since they have not been able to verify the necessary accounts listed under my name.

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