vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I received my credit report with wrong birth year of XXXX also wrong addresses added to my report. I contacted experian regarding the wrong info. Disputed it. Then again in XXXX the wrong information appears again on my credit this time showing my year of birth of XXXX with wrong addresses. I found this other credit companies XXXX XXXX selling old & wrong information. I contacted them regarding the matter. They left my social security number attached to files that wasnt mine & addresses i never lived at. Including names I never used. These companies refused to change the information. I had make police reports regarding the matter & issues was never resolved. Now the credit reporting agency cant varifie who i am & I cant even get a credit report sent to me. Idk where its being sent to. There been mixed up on my voters registration, my Department of Motor vehicles files have been addresses got mixed & sent elsewhere. I been left homeless with ongoing calls and emails from unknowns asking for someone else some threatened me, emails that are bogus plus mix-ups on my auto insurance. Banks calling asking for XXXX, tracking me. Social security was making me appointments and mailing them into XXXX to someone else. Money started coming missing & i had to pay back over payments to social security administration. I still cant see my own credit file & dont know what or why things got so mixed up.

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 2021-04-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently checked my credit reports and have noticed there has been a string of hard inquiries spanning from XX/XX/XXXX to XX/XX/XXXX. I have no idea where these inquiries have come from. Upon reaching out to the credit bureaus, I was instructed to initially contact the " request originator '' ( company who pulled my credit ). Upon doing so, I was informed by the companies that there was no record of my application. I was also told by the " request originators '' that the only course of action I had was to reach out the credit reporting agencies. I have since then, reached back out to both Equifax and XXXX  to inform them of this update, only to be met with the statement " there is nothing we can do until you call them ''. After repeated communications with the Equifax and XXXX informing them I had already spoken with the " originators '' I was left with no resolve, I have decided to contact the consumer finance division in order to gain assistance in having the erroneous hard inquiries removed from my credit profile as this is potentially effecting my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: VA

Complaint narrative:
Law were violated by XXXX XXXX and transunion. laws written by congress that the bureaus have broken. it is not a belief on whether the law has been broken by each bureau ( tranunion, XXXX XXXX  ) it a matter of fact that they were. and i the consumer would like this ratified. it has caused me much distressed. 
Under 15 U.S. code 1681b : Permissible purpose of consumer reports.

( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Also Under 15 U.S code 1681 ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for consumers right to privacy.

my rights have been violated, my privacy violated and i can not as a consumer of the U.S believe that this has happened to me and it is not right for them to have the thought that they are above the law which per the law they are not and i demand something be done about this and not only thing i demand that my rights be honored and not ignored. I the consumer gave transunion, equifax or experian any written consent to report anything on my consumer report and i sure in heck did not give the right of my privacy to be invaded. Also when there is no consent by law that is identity theft. this is not fair. 

on date XX/XX/2020 letter were forwarded to transunion XXXX  and XXXX stating the information above. per law 15 us code 1681n- Civil Liability for willful noncompliance ( a ) In General any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consume in an amount equal to sum of- ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. 
With that each violation is $ XXXX.and i demand my compensation law for each and every violation made by transunion, XXXX  and XXXX  and i also demand a deletion .of accounts and judgments15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I opened a Capital One 360 account in XX/XX/XXXX. The agreement was that there was a {$400.00} bonus if I enter promotional XXXX. 
https : XXXX Received at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. I did all of this. 

Capital One has denied me the {$400.00} bonus stating that, " I had opened another Capital One 360 '' checking account. I never did this. The misunderstanding is due to the fact that I had opened, back in XXXX, an XXXX XXXX account. This was not a Capital One account. Then at some point in time, Capital One took over XXXX XXXX. The old account became a Capital One account. But I never opened an account with Capital One. 

In fact, I thought that the XXXX XXXX account was closed and somehow Capital One kept it open for 5 years with only 1 cent in the account???? It's clear that I never used the account and it just sat there. So when I found out about it in XXXX, I had the account closed. They are stating that I missed the cutoff and I had a previous Capital One account so I'm not elligible for the bonus. But it's due to their own error ( XXXX cent ) and keeping an account alive for several years that I was not aware of. 

I would like to be a Capital One customer and I would like my {$400.00} bonus manually applied. 

I called on XX/XX/XXXX and explained all of this. I was told that the bonus may hit that very evening, so I should wait and see and then call back if it didn't happen. 

I checked again on XX/XX/XXXX and seeing no bonus, I called again. I eventually was put through to some gentleman that identified himself as " management. '' I reexplained the entire ordeal, and he seemed indifferent, really didn't care too much, and told me that due to the other account being open I just missed the cutoff and he could not apply the bonus. I don't think this is fair because I never opened a previous account with Capital One. It's not my fault that they took over another bank and converted an account from that bank. 

Please apply the {$400.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01 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:
I have been trying to dispute a Public Record entry on my credit report with TransUnion since XXXX of XXXX. I have submitted multiple disputes but TransUnion does not provide consumers a way to upload documentation for all disputes. I also called TransUnion multiple times asking for guidance on how to upload documents and analysts told me they don't know the website and could not help me. After numerous tries I found that TransUnion only allows documentation upload for " Account '' disputes. From XXXX to current I'm submitted approximately 8 disputes regarding the same matter. I also called Transunion over a dozen times. Due to hold times TransUnion has a feature where a consumer can request a call back. Unfortunately the call back system is broken and will NEVER accept the number entered. Consumers are forced to sit and hold in order to speak with a TransUnion rep. 

Each time TransUnion rejecting my claim due to lack of information. 
On XX/XX/XXXX I opened an " Account '' dispute and included the Public Record. I uploaded documentation showing the entry in question was removed by both XXXX and XXXX. On XX/XX/XXXX XXXX portal did not show my dispute as pending. I opened the dispute again uploading the same documentation. Transunion extended my dispute due to " additional documentation '' ( files on XX/XX/XXXX ) which were actually the documents I provided on XX/XX/XXXX. TransUnion extended the resolution date to XX/XX/XXXX due to the updated files. At the end of XXXX I received a notice from TransUnion stating my dispute was being extended to XX/XX/XXXX. On XX/XX/XXXX I called to inquire status of my dispute and was told my dispute was closed and the documentation I provided ( Court Case Summary, Dispute and Resolution from both XXXX and XXXX  ) were inaccurate. I told that TransUnion would not use them as they couldn't validate the documents. I was also told the court " validated '' the public entry. I ask for documentation in writing from TransUnions stating the validating party details and was told TransUnion doesn't do that.

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 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: RI

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I refinanced a property I own in Rhode Island. Shellpoint Mortgage Serving, charged me a 5 % pre-payment penalty. 
Principle Balance on payoff date XXXX Prepayment Penalty XXXX I contacted Shellpoint on XX/XX/XXXX and told them the maximum prepayment penalty in Rhode Island is 2 % but only in the first year of the mortgage. My mortgage was originated on XX/XX/XXXX. 
However in reading Dodd-Frank which was implemented in XXXX of XXXX, it seems that prepayment penalties must meet ALL of three criteria. My mortgage did not meet the last criteria. 
The loan is not a higher-priced mortgage loan. ( A higher-priced mortgage loan is a mortgage with an annual percentage rate higher than a benchmark rate called the Average Prime Offer Rate, which is an annual percentage rate that is based on average interest rates, fees, and other terms on mortgages offered to highly qualified borrowers. ) It is my premise, that my mortgage does not qualify under Dodd-Frank for any prepayment penalty because my loan was at 6.125 % while the APOR for XXXX topped out at 3.8 %. Therefore : only two of the above 3 conditions were met. 
I have called Shellpoint Customer Service and requested someone from their legal team call me to discuss my situation 4 separate times. I have put my request in writing via the Shellpoint Customer service online application. No one has returned my calls. At one point I asked the customer service representative when they had called me. I was told I was called at XXXX XXXX. However I was on my cell phone waiting for customer service to answer my call at that time. My cell phone would record any missed calls, and would make me aware of a second incoming call if I were on a call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : On or around XX/XX/XXXX a letter from XXXX XXXX  who is acting on my behalf forwarded a dispute and inquiry to XXXX. TransUnion received this dispute and inquiry as no return letter has been given to myself or XXXX XXXX to establish a wrong address. Therefore, the TransUnion address is correct and mailing was complete. Thus, it is presumed TransUnion received this letter pursuant to Florida and Federal law. See the case Perry v. GMFS , LLC, No. 2 : 18-cv-01572-MHH ( N.D. Ala. XXXX XXXX, XXXX XXXX XXXX " The presumption of receipt arises upon proof that the item was properly addressed, had sufficient postage, and was deposited in the mail '' ) ( " citing Barnett v. Okeechobee Hosp. , 283 F.3d 1232 ( 1XXXX XXXX XXXX ) '' ). See also Berwick v. Prudential Property & Cas. Ins. Co., 436 So. 2d 239 ( XXXX XXXX. Ct. App. 1983 ) ( " It is presumed that mail properly addressed, stamped and mailed was received by the addressee '' ). IN THIS INSTANCE DSK Law properly addressed and mailed to TransUnion the dispute and inquiry on my behalf. TransUnion has received the dispute and inquiry from XXXX XXXX. Thus, TransUnion is purposefully refusing to investigate and respond back to XXXX XXXX with the results of the investigation. Furthermore, TransUnion is continuing to allow information that has been identified as information being reported as a result of identity theft ( i.e. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX and allowing outdated information to remain on my report XXXX XXXX. XXXX XXXX XXXX XXXX being remaining more than seven ( 7 ) years on my report ). XXXX XXXX is reporting information it knows to be false regarding one of its affiliates purporting that I defaulted on a credit card. On a card that I had there was a payment made on a date that is less than 30 days from the previous payment. Typically in order for a person to default the person must at minimum be at least XXXX to 180 days behind. I was not 90 or 180 days behind. Please investigate this matter as XXXX is attempting to circumvent the legal process and avoid their statutory duty pursuant to the FCRA to investigate and respond accordingly to the findings. Thank you for your attention to this matter and I look forward to hearing from your office soon. Sincerely, 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 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Hello, I am writing to request clarification and possibly legislative action to : 1. Stop the practice of Lenders to falsely require a loan to be in default of at least 30 days before they can provide payment plan alternatives, including COVID-19 related relief. This happened to me when I first contacted my current Lender. In my conversation with the agent when I was asking for clarification around applying for the Forbearance program under the CARES act I was told specifically that I should first make sure I was 30 days past due on my current loan otherwise they would not have been able to process any options. Clearly a falsehood and it would have tagged me right away as in default and kept me so in their records for the full extension of the program and possibly beyond. Luckily I did not trust the conversation and applied regardless of my " current '' status.

2. The initial approved Forbearance period is granted for only 90 days. Not the full 180 days as defined by the CARES act. This is a point of clarification that needs to be made on whether the Lenders have the latitude to decide on their own what the initial approved plan length or extensions should be. If this is not how the law was intended to be enacted it should be clarified and enforced asap. 

XXXX. The latest update to the XXXX XXXX XXXX is a bit ambiguous. " If your mortgage is backed by Fannie Mae or XXXX XXXX : You may request up to two additional three-month extensions, up to a maximum of 18 months of total forbearance. But to qualify, you must have received your initial forbearance on or before XX/XX/2021. Check with your servicer about the options available. '' This language leaves some room for interpretation of the meaning of " ... received ... on or before XXXX XXXX ''. If I have a letter of acceptance into the plan dated on or before that date, but the next due payment is in XXXX or XXXX of 2021 does that disqualify me from being able to take advantage of the new extension rules? 

Thank you for your time in considering the above. 
I hope this finds you and your family healthy and safe. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : COMMONWEALTH FINANCIAL SYSTEM # XXXX, XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
This company I looked up on the internet XXXX XXXX said I have a debt with them that I do not have. They have sold information more than once to third party collection agencies for quite awhile. I do not owe the debt and it has been taken off my credit reports more than once. This is fraud and I do not owe the debt. I do not want any more letters from a 3rd party collection agencies. This debt debt has been passed around from once 3rd party to the next for example from XXXX XXXX XXXX to Halstead. Now I have another bottom feeder Halsted Financial Services contacting with letters. This is not my debt. I have contacted my attorney again about this issue and bring suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CarMax, Inc.
State: CA

Complaint narrative:
I have been fighting with Carmax now for months over a XXXX dollars that is showing on my credit report. This is ABSOLUTELY RIDICULOUS over XXXX dollars. It stopping me from getting the credit I need over XXXX dollars. I mean come on this is so stupid a company that HUGE is gon na make a big deal over XXXX dollars. I want this report from my report NOW!!!!.

Company response to consumer: Closed with explanation