vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  account number XXXX, XXXX XXXX account number 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 2022-05-18 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: OH

Complaint narrative:
In accordance to fair credit act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 6 a right to privacy section 604 a section 2 I did not give written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I requested a payoff statement from my mortgage company in order to pay off my mortgage in XXXX, XXXX. I received the payoff dated XX/XX/XXXX. I did not have the funds as quickly as I thought that they would be available. However, I did make a payment which posted on XXXX XXXX in the amount of {$560000.00}. 
That was the amount of the payoff. The payoff amount included a per diem cost of {$40.00} per day beyond XXXX XXXX. I requested another payoff from SLS and received a balance of $ {$9400.00} which I thought was excessive. I calculated my per diem amount by the number of days beyond my original payoff date and arrived at a figure of {$3500.00}. I contacted SLS but they were adamant on the balance that they provided. I also had another property, same issue, same dates. When I requested a second payoff from SLS, I received a balance of {$310000.00}. which was calculated until XX/XX/XXXX. I made the payment for the {$310000.00} and requested a second payoff which SLS provided in the amount of {$14000.00}. My per diem for delays was {$24.00} per day which I calculated to be {$2100.00}. I need assistance in this matter due to my inability to resolve with SLS.

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 2022-05-18 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: FL

Complaint narrative:
Im complaining on XXXX equifax and XXXX after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  credit card to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX credit card refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i have a fraud alert on my profile for over 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Kriya Capital, LLC
State: OH

Complaint narrative:
On XXXX XXXX the collection agency Credence Resource Mana add a derogatory mark on my credit report per XXXX. Upon, Further research, this account was transferred/sold and i am no longer responsible for the account. This creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( Credence Resource Mana ) has violated my rights as a consumer and i am requestion legal actions to remove this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage servicing transferred from XXXX XXXXXXXX XXXX to Shellpoint Mortgage on XX/XX/2022. The loan was current at the time of transfer with the most recent payment being a full XXXX payment made on XX/XX/2022 to XXXX XXXX ( prior servicer ). The prior servicer, XXXX XXXX, confirms that the loan was current at the time of transfer. Immediately upon being transferred on XX/XX/2022, the new servicer Shellpoint Mortgage, claims that I did not make my XX/XX/2022 payment and that it was now due to them along with the XX/XX/2022 payment. Although this claim was incorrect, Shellpoint advised me to make both XXXX and XXXX to them and that this problem would be resolved within 60 days. Today is ~ day XXXX and nothing has been fixed. Shellpoint Mortgage has received several proof of payment documents from me which they have acknowledged both in email and on the phone. I have spent over XXXX hours in the last 80 days trying to get this issue corrected and each time, Shellpoint has no updates that this matter is being addressed and continually asks me to provide the same proof of XXXX payment documents that they've already received many times. The prior servicer, XXXX XXXX, has provided both me and the new servicer, Shellpoint Mortgage with a full accounting of my XXXX payment along with a letter that I was current. Shellpoint has continuously dropped the ball on this, failing to make progress, failing to keep in communication with me, and failing to provide any documentation to support their false claims. Me, the prior servicer, and my personal bank are all in full documented agreement that it is Shellpoint that is in error and yet Shellpoint is not interested in addressing this issue in a timely manner.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18 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: IL

Complaint narrative:
I sent a letter of on XXXX XXXX to remove personal information/incorrect spelled names,0ld address that i did not want on my consumer report according the fair credit reporting act 15 U.S.C.1681 I have the right to privacy, 15 U.S.C 1681b ( a ) ( 2 ) also it states a consumer reporting agency can not furnish a account without my written instructions. Also according to 15 U.S.C.6802 no financial institutions are not suppose to share my information to third party people. There is a clear violation of my federally protected consumer rights

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 2022-05-18 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: NV

Complaint narrative:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-18 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:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Sezzle Inc.
State: NV

Complaint narrative:
I made a purchase using Sezzle. The item was never received. I reached out to sezzle to try and get some assistance and they were absolutely no assistance. They opened up a dispute and quickly closed it saying it was shipped. I then opened a dispute with the credit card that I used on sezzle. Between them reaching out to the company and me as well we were finally able to get the charge credited in full. I owed nothing to sezzle and the complete charge was credited back. While the credit card company does their research they do a charge back to sezzle and advise it is under dispute because they did this sezzle is stating i was late on my payment. I was not! I never receievd the item, the company i ordered from even credited the item in full after their investigation as well and sezzle was aware of the issue this entire time. I have attempted several times to get the late payment off my credit report and I originally was told this would be taken care of. 3 months later it is not. I reached out again after several ignored responses on their said and now they are advising they " can't go back and fix something already reported '' I don't have missing payment on my credit report. I am in the process of buying a house and this is effecting it and I have everything to prove this item was credited in full and it was never received and sezzle was aware from day one. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: GA

Complaint narrative:
On XX/XX/2022 I submitted a dispute to XXXX about account XXXX XXXX XXXX XXXX XXXX reporting inaccurate information. XXXX XXXX XXXX XXXX XXXX was reporting the account as closed/collection account never late. I informed XXXX that the account with XXXX XXXX XXXX XXXX XXXX was indeed open and was not a collection account. I informed XXXX to Delete ( not update ) this account. On XX/XX/2022, XXXX updated my report showing XXXX XXXX XXXX XXXX XXXX account open with a paid on time payment for XX/XX/2022. According to the FCRA this is not a accurate report. XXXX is suppose to report accurate information at all times. How can the account be open, then closed as a collection account, then back open again? How is this possible? This is not accurate. Remove ( not update ) this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: WA

Complaint narrative:
ServiceMac Company is collecting escrow for an estimate of property taxes. 

My home is a new construction and was not complete in 2021 so I am being taxed on the property value only which is around {$1300.00}. 

But the company continues to collect escrow for the higher amount estimated. 
I have contacted company 5 times by phone and email and being told different things by each person. 

I have clearly sent them all information and requested the amount be adjusted and corrected and that they are over collecting almost {$6000.00}. 

They say they will look into it and nothing has been done for months and now they say to contact the tax office. I have done this already and they have nothing to do with escrow collection and that needs to be corrected by the company. 

They are refusing the correct the escrow amount or give me a refund for the severe over collection. 

I keep getting passed around to a new person who says to talk to the next person or asks me to re-explain everything over again. 

All that has to be done is refund the over collection and adjust the escrow to match the correct tax amount but they are not doing this and keep passing me around.

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 2022-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: D2 Management LLC
State: CA

Complaint narrative:
In 2018, I applied for a loan in the amount of {$200.00}. At the time I was unable to pay back on time - I tried numerous times to contact the company and never received a callback or any email correspondence. I received a call from a third party company stating I owe way over {$4000.00} in accrued fees in which I was not aware to happen. When I ask for validation of the accusation they state theyre unable to send the information. Im getting harassed by the company DTXXXX  Management that Ill be sued, garnished wages and more fees. I really need help as I dont know how they received my information and I cant get any response from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc
State: GA

Complaint narrative:
I FOUND SOME ERRORS ON MY REPORT THAT ARE IN QUESTION, CAN YOU PLEASE SEE THE ERRORS I FOUND BELOW, THANK YOU FOR YOUR PROMPT ENGAGEMENT.

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 2022-05-18 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: CITIBANK, N.A.
State: MS

Complaint narrative:
Called companies Macy & XXXX XXXX about incorrect information & fraudulent activity. Also called XXXX about incorrect information and fraudulent activity. 

Called XXXX/XXXX  about incorrect information and fraudulent activity. Called XXXX about this also. 

Placed a creditlock with XXXX. 

XXXX placed a fraud alert on 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 2022-05-18 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: Affirm Holdings, Inc
State: MS

Complaint narrative:
Called companies XXXX XXXX Affirm Inc about incorrect information & fraudulent activity. Also called XXXX about incorrect information and fraudulent activity. 

Called XXXX about incorrect information and fraudulent activity. Called XXXX  about this also. 

Placed a creditlock with XXXX. 

XXXX placed a fraud alert on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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:
FCRA violations : payments never late XXXX XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type

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 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The website shows reates as low as 4.125 %. I have near perfect credit ( lowest score XXXX ) have 20 % down ( documented funds for more ), yet the offer came in at 5.375 %. 

I asked why and was told they would rate match, yet they came back with the same rate even though another company offered 4.5 %. 

I have asked for an explanantion as to why they would offer such a high rate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: NJ

Complaint narrative:
Experian you are reporting inaccurate and unverifiable information on my credit report. Experian you are Hereby Put on Notice that you reporting information that are inaccurate. 

The Information is not information relating to any transaction by the consumer. Block all information relating to identity theft report deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief