vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Over several of months I have been in contact with Experian I have called and spoke with a customer service reps in regards to my disputes that I previously disputed via telephone, electronically, and via written disputes in which i have sent 3 rounds of disputes. Experian has yet to remove them from my credit report i dont know what else to do at this point.

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 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
The mortgage company did not pay the school tax bill. The first deadline was XX/XX/2020 and the amount due was {$2800.00}. I contacted them in XXXX to inquire about the payment and was told that it would be paid on time. I submitted a copy of the bill to them, even though their website said that this was not necessary to do. It wasn't paid and the amount increased to {$2900.00} on XX/XX/2020, due to it not being paid on time. I contacted them several times in XXXX to inquire about when it would be paid. They sent a letter dated XX/XX/2020 which stated that they paid it and {$2800.00} was deducted from my escrow account and the late penalty was covered by them. I contacted the tax office several times and was consistently told that it was not paid. As of XX/XX/2020, the tax collector stated in an email that it has not been paid. Multiple calls to the mortgage company have not fixed this. They encouraged me to file a complaint, on their website, which I did. Several times I was told that it would be fixed and they would call me back to confirm, and they never call back. They stated that all they would do is provide me with a letter stating that they sent the check, however that does not satisfy the bill that the tax collector has not received. On XX/XX/2020, the amount owed will increase to {$3200.00}, due to another penalty for it being late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I make payment to the servicing company and the choose when they want to apply the money to there records. I send in certified fund to keep from having a problem more with the amount they tell me is the mortgage amount and it seems to change monthly. This services company is bad and has many problems When the loan was with XXXX  XXXX XXXX I could walk in the door and pay them now it is mailed and I do not know the date that it arrived without spending an additional amount to get receipts. They come up with additional charges for inspections that I have not approved or requested. I am sending you the documentation of all of this actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid off a debt from XXXX  XXXX Collection company XXXX XXXX XXXXPinnacle Credit Services. Paid by money order {$320.00} by certified mail, received from XXXX  letter stating paid in full, everything fine, On XX/XX/XXXX, I received a letter this time from XXXX XXXX/Pinnacle Credit Services stating I owe the amount but if I pay half. That constitutes Mail Fraud under 18 USC 940 ( section 1341 ) I made all copies of all my documents back from XXXX including certified letter, and money order to XXXX. In addition, I contacted the original collections, XXXX who stated " everything was paid off years ago, creditor notified ''. This is a scam and needs to be investigated. How many people pay off their debts, forget about it than get a letter saying if you pay half? This is deception in it's purest form and constitutes the legal basis of fraud. This agency and the FTC needs to investigate immediately and shut these operations down. I have these companies ( 14 ) days to correct their activities otherwise I will file in a California Superior Court. In addition, will file a complaint with the California Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE 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 2020-10-27 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: NV

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello, Somehow I ended up in a recurring monthly expense of about {$24.00} for TransUnion credit monitoring. This is certainly not something I knowingly signed up for. I did recently view my credit in the process of preparing to buy a house, but I did not knowingly sign up for a recurring monthly service. This seems like a deceptive business practice. I only discovered this after my credit card company flagged one of their monthly charges as a possible fraudulent charge. 

Thank you!

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 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I was enrolled in PayPal XXXX  and making use of it. All of a sudden, last night, all of my linked credit cards were no longer linked to PayPal XXXX. At first, I thought maybe this was due to system maintenance so I waited until morning. However, nothing had changed so somebody removed all of my cards linked to PayPal XXXX  without my consent. PayPal could not provide me with an explanation. They gave me case ID number XXXX. Later on, I tried asking customer service to check the status of my case and the agent told me that case ID number does not exist. How can this be? I even confirmed the number as I wrote it down. Also, I am supposed to be able to delete a XXXX and create a new one. I can not do that either. On top of that, they always call me when I am asleep at like XXXX in the morning. When I try to call them back, I can never get through or the phone line automatically hangs up on me. Nobody at PayPal seems to care enough to help me fix this problem. They just blame other departments or transfer me to another team. I am really tired of this running around in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize inquiries from the company. Credit bureaus ignored my prior request to have them removed. Credit Bureau ignored investigation.

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 2020-10-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The reporting agency experian has not thoroughly investigated fraudulent accounts on my credit report. They have not provided any proof during their investigation that these accounts belong to me. Therefore they are hurting my ability to obtain new credit offers.

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 2020-10-27 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: ERC
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The
following items need immediate attention : XXXX XXXX XXXX  acc number XXXX I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- REAL ESTATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: CA

Complaint narrative:
I have already notified experian about account number XXXX XXXX XXXX. They refuse to remove it from my report given that I have already shown them multiple documents showing this account does not belong on my report. They keep telling me that the account is accurate and verified but I have never heard of this company nor have I owned any accounts with their creditor. I recieved a letter from another company about the same account. Two or 3 companies can not own the same debt. I am requesting documentation from experian about this account that they have reporting in my file.

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 2020-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX, I contacted Commenity who is the service provider for the Frontgate credit card to determone how to take advantage of the 20 % birthday coupon. The associate advised it would come on my statement. I explained my balance was XXXX and therefore wouldn't get a statement. He then concluded it would come in 1-2 billing cycles. Come where? I explained that the Frontgate website says the coupon expires at the end of the birthday month which would be XX/XX/XXXX. My birthday is XX/XX/XXXX. Associate advised that was inaccurate. Then they suggested I make the purchase and it would update in 1-2 billing cycles. I asked for a manager and after awhile the associate disconnected the call. I called back and was able to get a supervisor. While speaking with them, I got an email advising that my email address had been changed. I DID NOT REQUEST ANY CHANGES TO MY ACCOUNT! The associate that disconnected my call changed the email from XXXX to XXXX. If I had not received the email I would not have received any further communication including my next billing statement. I also wouldn't receive any surveys regarding their service. I'm very upset that an associate was equipped to answer simple questions. Is the Frontgate website misleading about the Birthday coupon or is the associate help system wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My mortgage company Shellpoint Servicing has reported over 90 days delinquent in mortgage payments on my credit report despite approving me for a forbearance and then a deferment under the CARES Act as a result of the COVID-19 pandemic. I was initially approved for a forbearance for XXXX - XXXX. In XXXX, I made two payments which were refunded as the file had not been updated to reflect the end of my forbearance. I was then approved to defer the missed payments to the end of the loan. I have never been late on any mortgage payments and as a result of these delinquencies in my report, It has cause adverse impact on my credit. I have reached out to the company and the matter has been referred to their credit department. I have been denied for a loan due to the delinquencies showing on my credit report and need it corrected as soon as possible.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX notified me that I had a new Capitol One card that was opened a month ago. I had frozen all three credit reports a year earlier. Called Capitol One, notified them this was unauthorized. Call the three credit agencies and filed disputes. Then called Capitol One back to confirm account was canceled, and to inquire what was the address used, and how could it have been approved with the freezes in place. Their response? " Please send your request by fax. '' Who has a fax these days?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Federal Regulation D limits electronic withdrawals/transfers from your savings account to 6 transactions per month. Due to COVID-19, the Federal Reserve Board temporarily suspended Regulation D on XX/XX/2020, so that people can bank electronically verses going to the bank. TD Bank is charging their customers {$9.00} per transaction if you go over the 6 electronic limit even though the government temporarily waived Reg D. We are in the middle of a pandemic! Their conduct is deplorable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I refinanced and paid off my mortgage with PenFed on XX/XX/2020. On XX/XX/2020 I was denied access to my on- line account. I was not able to pull up any information at all. I repeatedly contacted PenFed requesting my access be returned. They initially told me this is what happens when the loan gets paid off. The account is closed and you can no longer access it. Subsequently I was told that this was an error and it is not normal for me to not have access after payoff and they are working on it to return my access. Most recently I was told again that this is normal and I will not gain access to my account. Penfed recently went thru a major digital platform upgrade with many, many issues including incorrect information provided, late mortgage statements, incorrect and concerning wire confirmations. I received a wire confirmation regarding {$5000.00} and believe it was an error. There was no identifying account information and I was not familiar with sender or receiver. I raised my concerns multiple times about this wire confirmation document and wanted confirmation this money did not come from my account. No one contacted me regarding this document or my concerns in the past week.

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