vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: ND

Complaint narrative:
As of XX/XX/XXXX I received an email about my credit report on XXXX. NewRez LLC/Shellpoint Mortgage marked XXXX of XXXX as a late 30 day payment. My score dropped XXXX points. This is impossible as I sold my home, closed and paid loan in full XX/XX/XXXX of XXXX. I have been in contact with Shellpoint the last 4 months trying to fix payments marked as late. I thought the issue was resolved as XXXX  and XXXX showed the months of XXXX XXXX as current, XXXX as 30 day late, and XXXX and XXXX were marked as " D-No Payment History Reported/Available For This Month '' and XX/XX/XXXX showing CLOSED. I opened a dispute with XXXX  XX/XX/XXXX to update credit information and the report is completely different then what the other two agencies are reporting. Due to their errors I am now not able to get a loan because they reported a late payment for this year. They also did this to my husband 's credit but reported the month of XX/XX/XXXX as 30 day late.

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 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the XXXX XXXX on XX/XX/XXXX. I have not received a response.

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 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the XXXX XXXX on XX/XX/XXXX. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the XXXX XXXX on XX/XX/XXXX. I have not received a response.

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 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2021, I went to Wells Fargo branch in XXXX XXXX Texas with my young daughter. I was in Texas due to my mothers ' passing away. I went into the branch to do a cash advance from my unemployment card of {$480.00}. The individual was a female and a service manager. She asked if I was a member with a checking or savings account and I replied no. She asked, how can I help you? I said, cash advance off my card. She asked the amount and I said {$480.00}. I noticed that she had trouble with the computer as she was keyed in my drivers ' license. She asked why was I in Texas and I said my mother died. She then went into her draw to grab the cash and I turned around to look at my young daughter who was seated in the lobby to check on her. As I turned back, I saw only {$400.00} and couldn't see the rest and I asked that the money be out of the envelope. She placed it in the envelope and sealed it. I left the branch with my receipt and the envelope. It was late around XXXX XXXX  that I was at a drive through to buy dinner for my family and opened the envelope. I saw that it had only {$420.00}. I was so upset and wished that I could go back to the bank but it was after hours. Therefore, I tried going in the next morning when they opened. I approached a teller and told her what happen. I saw the same individual and she began to say I gave you the money yesterday. I told her that it was short by {$60.00} and that to pull the tapes. It became a he say she say because she started to count her draw as if the money would have showed up that morning when it would had been last night. I was so incensed at her unprofessionalism and her alledging that I lied to make more money. When she called the escalation team that is what she told them and it upsetted me. I want Wells Fargo to rectify this problem asap.

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 2021-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PORTIFOLIO MORTGAGE
State: UT

Complaint narrative:
My VA loan was transferred to American Portfolio management on XX/XX/XXXX. The loan was in COVID forbearance which was due to end XX/XX/XXXX. I requested a VA disaster relief modification toward the end of XXXX by phone. I sent an email on the servicer website on XX/XX/XXXX to ask about the status of the modification. The automated response was " Dear XXXX XXXX XXXX and XXXXXXXX XXXX XXXX : We received your message dated XX/XX/XXXX, regarding your modification. We are sending this response via email as our messaging portal is temporarily unavailable. We apologize for any confusion or inconvenience this may cause. 

Your account was service transferred on XX/XX/XXXX, this also transferred your pandemic forbearance effective XX/XX/XXXX, through XX/XX/XXXX. Your account was approved for a forbearance with a XXXX-payment requirement with our Loss Mitigation Department XXXX As of the date of this message, you are still working with our Loss Mitigation Department. If you have questions about your forbearance or any additional payment assistance, please contact our Loss Mitigation Department at XXXX. 

If you have any further questions or concerns, please feel free to contact our Customer Service Department at XXXX, or you may respond directly to this message. 

Sincerely, Research Department '' I found out today that the call and the request for the modification were not documented properly and the modification request was not submitted by the loss mitigation representative.The person on loss mitigation I spoke with today told me she would submitthe modification request and that it would take 60-90 days to process. This should have already happened from my first request. I am livid, what is my recourse? Do I now have to wait an additional 3 months for this company to do what I was told would happen back in XXXX? I am stuck with this company until I make six consecutive payments and can refinance ( 3 more months ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Barton Law Group, LLC
State: IL

Complaint narrative:
As of XX/XX/XXXX I have a gotten a letter stating of a debt that I owed in XXXX, I have contacted them as soon as I got the letter. The company that represents XXXX XXXX are THE BARTON LAW GROUP LLC, Spoke with several people always giving me the runaround about the Debt I asked what I have to pay to clear the Debt each person I talk to gave me different numbers try to set a payment plan with no paper Trail so I sent them a Debt validation letter through a credit restoration company I hired no response in getting back to them they responded in recieving the letter but no one was wrote back to me.I spoke to young lady named XXXX telling her that i would like to do a settlement she said I can do it I have to come up with a price and she let me know if its approved or not, I don't appreciate verbally getting this debt resolved through this law office, I need some help with this debt getting this cleared up because there are giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I noticed a car loan was taken out in my name from XXXX XXXX XXXX. I have never done business with XXXX or its partnerships. I have filed many police reports and FTC reports trying to dispute this account as identity theft. I have been fighting ID Theft since XX/XX/XXXX. I am trying to get loans and establish business credit but this account is affecting my financial abilities.

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 2021-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central States Recovery, Inc.
State: OK

Complaint narrative:
Csr told me they couldn't find my account in system they then transferred me over to someone, she Mrs XXXX took my card number and didn't give me any confirmation number for payment she told me she had to Wright down my credit card numbers for payment for the book keeper to process she never told me she was weighting down my number before doing so, I told her she shouldn't be weighting down card numbers she said process time is 8 to 4 I didn't appreciate her weighting down my card numbers on paper to process later

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried using XXXX to get my free credit report from each agency. It only worked for one. Both Equifax and XXXX refused to give me my credit report online, and instead insisted I mail them of bunch of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
unauthorized used of my consumer report and fraudulent use I have contacted my local bankruptcy court and they have notified me in writing that they DO NOT report bankruptcy to credit reporting agencies or Lexis Nexis. Lexis Nexis has advised they received this information from my Bankruptcy Court please read notification from my local bankruptcy court stating that is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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:
They continue to report inaccurate information to my credit report that does NOT belong to me and they did not verify or investigate as per FCRA guidelines!

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 2021-08-31 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:
They continue to report inaccurate information to my credit report that does NOT belong to me and they did not verify or investigate as per FCRA guidelines!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CA

Complaint narrative:
After checking my credit report, I found unknown inquires from XXXX XXXX on both my Transunion & XXXX  report. I reached out to XXXX XXXX stating I never authorized them to pull my credit. On XX/XX/2021 XXXX XXXX provided a letter stating they were unable to provide permissible proof to run my credit. They then informed me they have sent a request to all major credit reporting agencies to have the inquiries removed from my credit report. I reached out to TransUnion & XXXX  to confirm confirmation of removal. Both XXXX  & TransUnion have received nothing from XXXX XXXX as of XX/XX/2021. XXXX  stated they will NOT remove inquires without a complaint to the FTC and a Police Report, although XXXX XXXX has express these inquires were NOT authorized. TransUnion has reiterated the same statement as XXXX. I have called numerous times to XXXX  to only be hung up on every time, they refuse to follow the law & refuse to remove the inquiries.

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 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
MY credit was ran twice without my permission.

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 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
Debt occurred from identity theft and the collection company didn't even verify this account and filed a lawsuit on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After checking my credit report, I found unknown inquires from XXXX XXXX on both my XXXX  & Equifax report. I reached out to XXXX XXXX stating I never authorized them to pull my credit. On XX/XX/2021 XXXX XXXX provided a letter stating they were unable to provide permissible proof to run my credit. They then informed me they have sent a request to all major credit reporting agencies to have the inquiries removed from my credit report. I reached out to XXXX  & Equifax to confirm confirmation of removal. Both Equifax & XXXX  have received nothing from XXXX XXXX as of XX/XX/2021. Equifax stated they will NOT remove inquires without a complaint to the FTC and a Police Report, although XXXX XXXX has express these inquires were NOT authorized. XXXX  has reiterated the same statement as Equifax. I have called numerous times to Equifax to only be hung up on every time, they refuse to follow the law & refuse to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All three credit bureaus are reporting different credit reports for account # XXXX. The reports are erroneous and I disputed this alleged information to each credit bureau and nothing has changed.

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 2021-08-31 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I want to file a complaint against Ocwen loan services now called PHH Mortgage and the investor of our mortgage XXXX XXXX XXXX XXXX XXXX. I have had a previous complaint # XXXX. PHH Mortgage ombudsman were communicating with us about our original XXXX modification application that they inherited. PHH said they did not have a copy of this modification or the application we also submitted to Ocwen when they took over our account.Mr XXXX and Ms XXXX from the ombudsman team said their legal team would only talk to us if we produced a copy of the modification from XXXX as Ocwen does now have a copy. The next two weeks were spent reaching out to and emails to XXXX XXXX who owned the account before they were liquidated .I have email and phone calls from XXXX that they would not have any copys or original as Ocwen has all the files.We were like a donkey chasing it's tail writing emails and phone calls when Ocwen had them all along. Ocwen and XXXX XXXX XXXXXXXX attorney Mr XXXX sent us some paper work from his reviews on our case and he happened to send us the copy of the XXXX application. We contacted Mr XXXX his response you will need to prove that Ms XXXX and Mr XXXX said they did not have them. I informed Mr XXXX my calls were recorded by Mr XXXX. Mr XXXX response was they probably did not understand what you were asking them. Ms XXXX and Mr XXXX hold senior roles in the ombudsman department. If they can't understand clear English they should not hold a position of this manatude. My command of the English language is from the XXXX XXXX and is my first and only language.Mr XXXX has been asked a question by me his only response is I can't give you legal advice. There is one covering for each other here. Letting us chase after files that they already had getting another company involved XXXX XXXX. There is no shame or respect for people here. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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:
They continue to report inaccurate information to my credit report that does NOT belong to me and they did not verify or investigate as per FCRA guidelines!

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 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried using XXXX to get my free credit report from each agency. It only worked for one. Both XXXX  and Experian refused to give me my credit report online, and instead insisted I mail them of bunch of documentation.

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