vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have tried contacting Shellpoint because of this pandemic to no avail. This company has totally ignored the Cares Act about lenders and loan servicers can ' t foreclose on homeowners until at least XX/XX/2020.The Cares Act and guidance from GSEs and the USDA prohibit lenders and servicers from beginning a judicial or non- judicial foreclosure against homeowners or finalizing a foreclosure judgement or sale. This protection began on XX/XX/2020 and extends through at least XX/XX/2020. If you experience financial hardship due to the coronavirus pandemic, you have a right to request and obtain a forebearance for up to 180 days. You also have the right to request to request and obtain an extension for up to another 180 days ( for a total of up to 360 days ). There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. You ( homeowners ) do not need to submit additional documentation to qualify other than their claim to have a Pandemic- related financial hardship. Millions have experienced financial hardship because of covid-19. The Cares Act provide many homeowners with the right to have all mortgage payments completely paused for a period of time. Shellpoint is violating all moriatoriums and executive orders by the president of the United States and all governors in the United States which is violating  my rights and also other homeowners that have mortgages with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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:
On XX/XX/XXXX I contacted Transunion by certified letter to dispute inaccuracies on my report. That was actually my second letter, the first I didn't send certified so it was ignored and no response was given. So on XX/XX/XXXX I sent another letter. I requested the method of verification and none was given. on XX/XX/XXXX I sent another letter concerning all the inaccuracies on my report. On XX/XX/XXXX I sent yet again another letter pointing out the inaccuracies my report. XX/XX/XXXX I sent a letter once again because an account was and has been in violation from day one. The response was that they wouldn't reinvestigate the XXXX XXXX account because it had been verified. On XX/XX/XXXX I sent a letter stating that they were unwilling the perform a proper investigation. I asked for the files they have that proves this was my account since XXXX  couldn't provide a proper validation how could they? As I understand it the Federal laws state I can ask for that information and they are to provide per my request or Remove the disputed account. Needless to say my request was ignored. I am enclosing all the letters I wrote to Transunion about these unverified accounts. Please advise me as to what other steps I need to take, what other agencies I need to contact to get this matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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 — Problem with personal statement of dispute
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX- This " Collections Agency '' is rude and unprofessional. I called XX/XX/XXXX regarding a report on my credit for XXXX XXXX that I was unaware of. When I called I spoke to a rude man by the name of XXXX he told me that I owe a small balance of {$430.00}. I did inform him that I never even knew I had a balance that the apartment complex never contacted me and I even updated my address and have the same phone number. If I knew I had a balance of {$370.00} I would have paid it. I asked him how many times I was called regarding this debt. He informed me 2 times, one time in XXXX and another in XXXX keep in mind I moved out XX/XX/XXXX. I asked him why I was only called 2 times. He basically informed me that my account was small and he had other bigger accounts that needed to be collected. He said let me ask you a question how many times did you call to get your deposit back he said " if that was my {$400.00} deposit I would be calling everyday. '' I requested to speak with his boss to complain about his horrible customer service he then passed me to XXXX. I Informed XXXX of how disrespectful his employee was being to me and told him I work in collections and I would never speak to anybody the way XXXX spoke to me when I was the one calling trying to resolve this debt that I knew nothing about. He informed me he will monitor our call but I still am responsible to pay. He also told me its not his job to monitor my credit that if I would have ran my credit I would have seen it advised him that I do not even have a credit card and if I did owe you would think that they would call me more then 2 times in 4 years what kind of collection agency does that. Advised I have no problem paying it because I need it to be removed off my credit. So I go personally down to the office to pay debt in full and he then tells me he can not provide me a letter stating it will be removed or deleted. I was willing to pay off my debt but he was unwilling to provide me a letter that states when i payoff balance it will be removed or deleted off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4000.00}, {$1900.00}, {$3300.00}, {$2200.00}, {$250.00}, {$5400.00}, {$1900.00}, {$3200.00}, {$1800.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

6. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

7. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

8. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

9. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

10. XXXX/XXXX  XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

11. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not 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 explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
" any entity servicing my loan on their behalf ( hereinafter called THE LENDER ''. This company did not give me detail contact information of the above statement. Who are the entities servicing my loan? What are their names, addresses, and phone numbers? 

see previous case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: AL

Complaint narrative:
This is my second claim against the credit bureaus. They still have not investigated and provided me with documents stating that the items disputed on my report are accurate. I have asked for this over and over again and filed a claim with you and still have not received anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4000.00}, {$1900.00}, {$3300.00}, {$2200.00}, {$250.00}, {$5400.00}, {$1900.00}, {$3200.00}, {$1800.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not 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 explanation
Consumer complaint received 2020-09-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4000.00}, {$1900.00}, {$3300.00}, {$2200.00}, {$250.00}, {$5400.00}, {$1900.00}, {$3200.00}, {$1800.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of  {$1800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: AL

Complaint narrative:
This is my second claim against the credit bureaus. They still have not investigated and provided me with documents stating that the items disputed on my report are accurate. I have asked for this over and over again and filed a claim with you and still have not received anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: AL

Complaint narrative:
This is my second claim against the credit bureaus. They still have not investigated and provided me with documents stating that the items disputed on my report are accurate. I have asked for this over and over again and filed a claim with you and still have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Pangea Universal Holdings, Inc.
State: CA

Complaint narrative:
I sent money to the XXXX, thru XXXX Pangea USA LLC . sent dated XX/XX/XXXX, XXXX after waiting for an hour the person who I sent the money to called me, to say that they had not received anything. When they went to the XXXX XXXX ( office ) they were told that their system was " slow '', then she was forced to come back the next day XX/XX/2020, she was then told " no response from the main office of this company ''. I tried calling the company 's main office however, it was closed. The money that is being sent is for emergency and needs to be received right away. However, due to the companies ' lack of customer service, there is no one get in contact with regarding the issue. The company does not provide customer service that satisfies certain timezones. Those who are not within the time zone of their customer service hours can't get in touch with the company at all and has no way of resolving issues right away. Due to the circumstances of the receiver, this money was supposed to be received right away. I have the receipts stating that the person was to receive the money on XX/XX/2020 ( PST ) It has address information on the receipt and I will be willing to provide the receipts once I get an email back regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MN

Complaint narrative:
i got a student loan back in XXXX and withdrew from my classes with 1 semester and tried to re enroll the following term and had a outstanding balance of XXXX $ i wrote a heartfelt explanation letter to great lakes and asked them to allow me to re enroll and continue my studies but couldn't pay back the XXXX $ they demanded repaid before i could be put back into the student loan program and they denied me outright and told me i couldn't appeal ... and since then the balance grew to over XXXX $ from fees and i had it tarnish my credit report for years and years and could never get a loan or credit card because of it.. i still think to this day it's still on my report ... XXXX XXXX later!!! it came to my attention when i noticed it saying that it was only first sent to collections back in XXXX ... so they sat on the overdue bill for XXXX yrs XXXX   my credit score and only then XXXX later then sold it to a collection account company.. i have been severely XXXX by this and. we'd help ty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I opened an account with Huntington Bank on XX/XX/ 2020 with the promotion that if I deposited XXXX within 60 days I would receive a XXXX account bonus. I deposited XXXX within 60 days. It is currently day 128 days and this account bonus has not posted. I have tried contacting Huntington bank over 3 times to resolve this matter. They continue to not resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES' CREDIT UNION
State: RI

Complaint narrative:
I applied and was approved for membership with BECU in XXXX. This was my tenth time applying ( my   partner has an Acct and we wanted to make them joint ) - and after sending in all the required documents and funding the account from my XXXX XXXX checking my checking and savings accounts were opened. 

I decided to apply for a credit card and was approved. However when the credit card came I could not activate it. After NUMEROUS calls to BECU I was informed that I didnt pass their fraud screening test and that all my accounts were closed and to throw away the credit and debit cards. ( Mind you they hard pulled my credit report and XXXX AND my debit card still works - but supposedly Im not a member ). 

The problem now is that they are reporting this credit card to all the credit bureaus as an open active account when in fact they claim this was never opened. 

I would like them to at least remove this account from my reports as it is fraud in their eyes anyways. Of course in their responses they never mention the credit card because they know it is still reporting but how could that be?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: LA

Complaint narrative:
MONEYLION- Account Was Opened ( XX/XX/2020 XXXX And Was Closed ( XX/XX/2020 XXXX Loan Amount {$1000.00} Amount paid back By ( XX/XX/2020 XXXX {$1600.00} Credit Report says MONEYLION- Account opened ( XX/XX/2020 XXXX and still open. 
Balance {$1100.00} Highest Balance {$1000.00} Monthly payment Amount {$3000.00} Term 12 Months. 

This Is Absolutely Incorrect, there isn't a loan company in the entire world that would require 12 months of {$3000.00} per Monthly payment on a loan of {$1000.00} dollars. If This Were A true statement that would be {$36000.00} dollars After 12 months of payments for a {$1000.00} dollar loan. 
Its Impossible For That To Be Correct And It Is An Error And Incorrect. 
My Credit score was Affected So Badly From This Incorrect Error And My credit score Has Dropped Due To This Issue. 
My MONEYLION loan Was Paid Back In 10 days And It Wasn't A 12 Month term it was a payday loan. After Paying back The Loan When I Received My Pay-Check My Account Was Closed And All Was Paid And In good standing. 

Now After My credit score dropped XXXX points from the Error. If The Report Was Real That Would have made the {$1000.00} dollar loan have an interest of 3,900 % interest on {$1000.00} dollars.

Company response to consumer: Closed with explanation