vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: RI

Complaint narrative:
Since 2005 we have had a bad situation with our mortgage. We only owed XXXX at that time. Applied for a second mortgage with XXXX While waiting for a date to close we find out employee was fired. He took all our information and we were told he was Shopping us out 2 days before his hire date at XXXX. I contacted everyone to see what could be done. He was fired immediately. Was investigated by the FBI. We were told he would never sell mortgages again He NEVER stopped. While he made our life a nightmare with an unaffordable mortgage. Then we received modifications from different banks. Finally XXXX XXXX XXXX gave us a mortgage we could afford. After a few months we received a letter mortgage was transferred to Shellpoint. Sent the XXXX. They didnt except it. Wanted XXXX more. Nothing changed with our income as I sent them that.could NOT get my husbands 401 on a hardship. No exceptions. He had to retire 2 years sooner than he planned just to get the money. Please help us stay in our home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: Conn's, Inc.
State: LA

Complaint narrative:
I see and hard inquiry on my credit report that I don't know anything about from Conn 's appliances Inc phone number is XXXX their address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Texas it happened on XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I needed a co signer to purchase a vehicle at XXXX XXXX in XXXX XXXX. I was approved on paper that we had both signed, then days later said I was denied. The dealership ran my credit and my co signers credit without our approval in desperate attempt to get a bank to approve the loan. I had told them if these aren't the rates or the bank doesn't approve do NOT keep trying. I didn't want to ruin my score more than it did as well as the co signer. After not being approved I told them I would return the car and pick up my trade in that they tried to rip me off on. The manager XXXX came at me very rudely and pushy in attempt to sell me a different car. He tried scaring me that my car was going to break down and it would leave me stranded, ( when my vehicle passed all of the safety tests or whatever they check when you trade in a car. It took 3 weeks to receive my refund on my down-payment which was very frustrating, on top of them issuing the check to the co signer when I was the one to purchase the vehicle. They damaged my subwoofer/Amp when they removed it from my vehicle. The general manager wasn't any better he answered the phone unprofessionally by saying who's this? Then offered a free tank of gas for all of the trouble when that doesn't fix any issues. I live 1.5 hours away for that tank of gas by the way. I cant believe the disrespect of this dealership to talk to a female shopping for a vehicle and causing so much damage to 2 people 's credit score out of desperation to sell a vehicle. He talked to me like I couldn't afford a vehicle and that my car was pretty much garbage when they were going to make XXXX on it.

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 2022-06-10 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-06-10 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:
The XXXX  XXXX XXXX account that is reporting on my credit report is incomplete as the date of last activity is missing from the credit report. It is therefore hard to tell when and if the account ever became delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I have no legal or financial relationship with tower loan but have been receiving harassing phone calls from the XXXX XXXX over someone elses debt. They have the contact information for the person they are trying to reach and have no reason to believe contacting me will provide any gainful or actionable information. I have confirmed they have spoken to the person responsible for the debt, at this time I have asked them repeatedly to stop contacting me as again I have no financial or legal interest with them. the repeated contact I feel is in violation of 15 USC 1692c Section 805

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 2022-06-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
After perusing my credit profile and series of corresponding, I had noticed so many discrepancies/inaccurate/error reports on my credit profile account. 
This has greatly violated my right under fair credit act 15 U.S. Code 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And not limited to 15 U.S. Code 1681c I request that all these accounts be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2022, {$3400.00} was deposited into my checking account. It was my income tax check. 

Prior to that, I initially deposited the check with Alliant and it was placed on hold. My account was then locked and I received notice to contact the bank. Once contacted, I was told that there was a fraud lock on my account and that the check did not clear the US Department of Treasury when they ran it. I told the guy ( from the Fraud Dept. ) that this was not true and that there was nothing wrong with my check as I had received it and not cashed it or anything. He then ran the check himself and stated that he was unsure as to why the check didn't pass as it just did with him. He then contacted the person from Fraud department who initially ran the check and had him run and deposit it again ( a second time ), it cleared. The check was deposited into my account. 

Now, today XX/XX/2022, I reviewed my account and the check was rescinded again. I contacted Alliant and was told that the check was deposited twice, so the XXXX XXXX XXXX flagged it as being deposited twice. That sort of makes sense, but its not my fault. As stated, I deposited the check at Alliant and it was held for deposit ( deposit 1 ). It was then flagged and sent to the Fraud Department. They then ran it again and deposited it back into my account ( deposit 2 ). Same check and check number. There is no way that this check could have been deposited at another bank. My banking institution is XXXX XXXX My employment check goes there and no other deposits. All of my outside deposits go to Alliant as funds for my XXXX XXXX XXXX 's future/savings. 

Please assist with this case. I'm an XXXX and not a fool. I no longer trust this banking institution and need help recovering my funds, AGAIN ( same check that I had to fight for once already ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: CA

Complaint narrative:
A debt collection agency is trying to collect a debt from me, and the information is incorrect. I have already had the original debt collection agency deleted, and now a new one is reporting, and has been re-aging the debt. I had this debt removed from all but one credit bureau. Transunion has ignored my requests to investigate, and I have just sent a second correspondence nearly two weeks ago addressing the correspondence I sent them on XX/XX/XXXX. I am including all the certified letters I sent, showing the dates. No investigation was done by Transunion, and Transunion has not removed this inaccurate account. 

I am also including the XXXX XXXX creditor 's information, which has been deleted, which was also inaccurate, to show that the debt XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly reporting is inaccurate, and is an attempt at re-aging a debt unlawfully.

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 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I saw I had a collection with a company that I never did business with. Once they sent me paperwork, I contacted XXXX XXXX ( Manager at XXXXXXXX XXXX XXXX  apartment and paid debt to original creditor. ) I do not owe this collection agency anything as the debt is not theirs. I signed no contract with said company and paid the original creditor XXXX Dollars. This is a violation of my 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 explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: KY

Complaint narrative:
The Discover Bank sent me a email stating that they were writing to let me know that they believed that they noticed unusual activity on my accounts ending in checking XXXX, and savings XXXX. And so they had suspended access to my account. I don't believe that there was anything suspicious ; and so I had spoken to a customer service representative or security team through XX/XX/XXXX to XX/XX/2022 about the situation. The customer service representative or security team was not able to give any information about the situation, or when the issue would be resolved. I had spoke to them between XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the security team stated despite the outcome, were still not able to reverse our decision, and it was just a business decision. They stated that I would have to wait between 60 to 90 days for them to mail or access my funds. I ask them is there a way I can go directly to the local branch to withdraw my own funds, so I can continue to make payments on my bills ; but the customer representative or security team stated that the local branch does not have access over bank accounts that has been suspended or frozen ; as my checking and savings account was in good standing. I just want to know what my rights are, because I believe I have not did anything that they believe would be illegal, and there was not any suspicious activity from my checking ending in XXXX, and savings ending in XXXX. They suspended or closed my account without me being notified in advance, and only found out the account was frozen when I logged into my bank account. My credit card with Discover was still active, but I needed my own funds so that I may be able to continue to make payments on my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I see and hard inquiry on my credit report that I don't know anything about from XXXX 's XXXX XXXXXXXX phone number is XXXX their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas it happened on 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
Consumer complaint received 2022-06-10 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: LA

Complaint narrative:
I see and hard inquiry on my credit report that I don't know anything about from XXXXXXXX XXXX XXXX XXXXXXXX phone number is XXXX their address is XXXX XXXX for XXXX  in The XXXX Texas it happened on XX/XX/2021 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 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Loan Servicer Mr. Cooper has collected additional payment amounts than what's allowed per the promissory note. My loan does not include any escrow payment, but their recent " analysis '' in late XXXX, led them to deduct more than my prescribed monthly contribution on XX/XX/XXXX. I tried the loan servicer 's chat to talk to someone, but got an error. I submitted a ticket through their website and got no response. After I further noted that my checking account debited had been overdrawn as a result of their higher payment, they said the issue has been escalated. It's been a week and I have got no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KY

Complaint narrative:
After the vehicle was repossessed, Nissan Motor Acceptance XXXX ( NMAC ) failed to provide us with the proper redemption options in writing... prior to the sale of the vehicle. 

Additionally, NMAC also knowingly failed to properly sell the vehicle within the time frame mandated by both state law. 

And, in doing so... has continued to violate consumers ' rights by falsely reporting a balance as PAST DUE after failing to legally provide me with proper redemption disclosures before the sale took place & also failing to dispose of the vehicle as required by state law. 

And, finally ... NMAC has also continued to falsely report a past due balance even after already selling the debt to a 3rd party debt collector and/or authorizing a 3rd party debt collector to collect the debt on its behalf ... which should be invalid anyway, due to NMAC 's failure to provide proper redemption paperwork prior to the sale and/or disposing of the vehicle in a manner which violated one or more of Kentucky state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
I submitted an inquiry for a personal loan with XXXX XXXX XXXX. The bank advertised that there would be no hard credit inquiry with no impact to your credit score. I did this because I wanted to review my loan options without impacting my credit score. Therefore, I was deceived by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I noticed a collection on my credit report. The collection agency is MCM. I have already dealt with identity fraud and stressed out to even open the mail. It is like nothing I do will correct this. Contacted company XX/XX/XXXX. Even though I paid the amount requested, called to find out there was no remaining balance, only interest, and late fees accruing on the interest. Talked to XXXX XXXX. She was rude, would not tell me any balances. She finally told me I did pay the balance, but I did not pay it in time. I remember talking to someone to tell them I was paying the balance. It was around {$300.00} or something like that. Why would I pay a {$300.00} balance if it were not on the statement or I was told that was the balance. In the middle of the call, a man named XXXX got on the phone, said he was supervisor. He was unethical, refusing to allow me to speak, even though I called them. I even offered to pay the {$50.00} " supposed balance, '' which I do not believe, and he refused to negotiate, even though this was already on my credit report, so I had nothing to gain. At first he refused to tell me if the balance was only for interest and late fees. He kept arguing with me, telling me it was all my fault for being irresponsible, totally inappropriate, giving scenarios of how homeowners credit worked? He said there was a balance of {$50.00} ; in XXXX accrued late fees of {$40.00} ; XX/XX/XXXX, accrued {$38.00} late fees, {$2.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XX/XX/XXXX late fees, and then they stopped the interest and late fees. He refused to give me the date I paid it off, refused to answer question of whether this amount owed is only interest. Brought up scenarios about owning a house, had nothing to do with bill. He could have negotiated this, but instead he kept arguing with me, not any way to collect a debt I have ever heard of. I do not believe him, I think the balance was paid in full and he was just trying to collect more interest and late fees. The whole thing is frustrating and stressful. I was trying to make it right, but he was just being ridiculous. I am a grandmother raising my grandchild and we have had some pretty tough times, but this man was totally unprofessional and he did not in any way even remotely try to come to any reasonable settlement, even though I already paid the balance. This is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: HI

Complaint narrative:
Incorrect and unauthorized changes on XXXX account. Spoke to multiple different people on different occasions to follow up on status, theyd all say that the account was sent to escalation department to audit and investigate and someone will contact you to discuss. Never heard anything from anyone, this happened repeatedly. 
There was a lot of miscommunication due to language barriers and non-stop transferring of calls along with disconnects aka dropped calls. Account was closed to eliminate future discrepancies. I would greatly appreciate this account be investigated and audited as there is numerous inaccuracies and unexplainable charges, even XXXX management could not figure it out. I was continuously being told that the account was sent to escalations to investigate. I requested an itemized statement of account and explanation of charges. As of today I have not received any information provided by XXXX, no outstanding balanced provided, no itemized state or explanation received. XXXX needs to be investigated upon, there is way too much unexplained charges and discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have notified XXXX, XXXX, & Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these UNAUTHORIZED inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX CARD, XX/XX/XXXX XXXX XXXXS XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX BANK XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX CARD, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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