vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XXXX and XXXX, Possibly all XXXX are reporting Public Record from XXXX and XXXX year XXXX from 2011 While my credit report shows no public record. 
However despite report reflects no public report. 
See attached copies of other sections on Experian website that reflects I do have derogatory public date report. 

Therefore on the same report. There are examples below of contradictory reporting from online Website reporting. 

What is regulatory guidelines for inaccurate contradictory reporting? I hope CFPB can help me untangle these problems so i can regain my goid credit held prior to divorce.

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 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
I completed a modification packet to my mortgage company, Roundpoint Mortgage Servicing Corp. They sent me the completed modification documents in the mail. They said I had to contact them verbally to agree to it before XX/XX/2022, which I did. The first payment is supposed to be on XX/XX/XXXX in the amount of {$600.00}. Now they are trying to breech the contract, and not honor the modification.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/XXXX, a fraudulent credit card application was submitted to bank of America using my Social Security Number. Bank of America did not open the account and notified me. Sound good right. However, they added to my checking and saving account the information supplied by the fraudulent application. So the fraudulent applicant could gain access to my account by resetting the account password using the phone number and e-mail address that Bank of America added to my account. So while the Bank projected their money by not opening an account, they exposed my checking account. If they ID 'd the application as fraudulent, why would they add that information to my checking account? They basically said it was not their fault because the application had my social, but again, the issues was they ID 'd the fraud but still used the information! I removed those address from my account and did everything I could do, but Bank of America would say they would not change my contact information again.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I had frost checking account before, but I went back to XXXX few months ago and when i got back i found out i am unable to login to my frost online banking and i went into branch and found out my account has been compromised by another person and that person tried to mobile deposit a check into my account, but that check didn't went through and frost bank decided ended business relationship with me when i wasn't the one who did that and now i can't open a new checking account with frost bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
XXXX XXXX  was charging me double the price of XXXX XXXX who had the same room, bathroom and parking space as me. I proved this to them through documents and got no response. Countless times called XXXX ( the property manager ) to discuss the overdue balance and explain the unfairness/discrimination i was experiencing at the hands of her company. During those phone calls i was promised things that were never given such as fairness. I was the only individual in my apartment who was charged for damages that were not even in my personal room. I lived with 3 XXXX girls and i was the only one out of the 4 of us who received a bill to fix all the damages that XXXX XXXX claimed were such an issue and just my fault. They are XXXX. This has ruined my credit because some people are to ignorant to know that everyone deserves to be treated exactly to same. I didnt choose to be born XXXX.why do i have to be overcharged for it..? The company who does collections for XXXX XXXX is part of the issue and not the solution i have explained my situation and showed them the evidence of discrimination and for them to just dismiss my concerns and still ruin my credit. I told XXXX XXXX they arent seeing a DIME of that XXXX charge and i meant it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: SD

Complaint narrative:
My XXXX Bank credit card is charging foreign transaction fees on transactions done in USD. 

When I called and asked about the fees, they could not tell me the currency used to convert to USD or any other information about the foreign transaction fee. 

My call was escalated to XXXX at US Bank. She informed me that the transactions were submitted in USD but I was charged a 2 % foreign transaction fee because the bank is a foreign bank. 

They told me it was calculated by XXXX and not US Bank. 

The fees total more than {$15.00} so far.

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 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
My name is XXXX XXXX former XXXX ( XXXX ). I would like to file a complaint against HSBC for damaging my credit report. Account number XXXX belongs to my ex-husband XXXX XXXX XXXX to whom I've been divorced from since XX/XX/2019. Apparently, I might have been an authorized user of his card, but this has never been my account. I am not the owner I have made several attempts to HSBC to resolve this issue and I was told that they can not communicate with me because I'm not the owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I am filling this complaint because reporting this account completely confuses me. I am not sure why this account is coming in and out with different collection companies in my credit report. Please know that i tried to this issue resolved by the collection company and credit bureas. The account I am disputing is AMSHER COLLECTION SERVICES. I received a collection attempt from this agency and this item is being reported in XXXX credit bureaus. In XX/XX/XXXX the original debt from XXXX XXXX XXXX XXXX, balance of {$2100.00} was reported in FRONTLINE AS with XXXX account number XXXX. In XX/XX/XXXX I disputed this account directly to FRONTLINE AS to inform them that I was charged for equipment that I never received and I have email documentation which I attached to this letter showing that they confirmed the equipment being re-routed to the warehouse and receiving the equipment in the warehouse and adjusting my bill with XXXX XXXX for XXXX XXXX XXXX XXXX XXXX decided to sell this off immediately to a 3rd party collection - even after I spoke to them - and I called once this hit my credit report to solve the issue and they mentioned to me that it's too late because the debt was sold off already to XXXX XXXX didn't have the right to collect or report this in my credit report because of their negligence. I also requested for validation of debt to verify that I am responsible for this account and contract until then I did not receive anything in mail. And in XX/XX/XXXX this account was removed from my credit report and now the same original creditor and balance is reported in AMSHER COLLECTION SERV on XX/XX/XXXX. 
I am filling a CFPB complaint to have this issue resolved right away. I am worried by the lack of responsible reporting. My credit score suffers tremendously because of their negligence. Collection companies being reported on and off in credit reports is punishable by law. My personal information being sold out to a third party is something I should not experience if XXXX investigates and resolved this issue before. 

I would like to request for the same validation of debt I requested previously with XXXX. If your agency can not provide validation of debt I demand this account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I'm trying to get a credit line set up and I would like the opportunity to borrow XXXX so I can establish credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX former XXXX ( XXXX ). I would like to file a complaint against Capital One for damaging my credit report. Account number belongs to my XXXX XXXX XXXX XXXX to whom I've been divorced from since XX/XX/2019. Apparently, I might have been an authorized user of his card, but this has never been my account. I am not the owner I have made several attempts to Capital One to resolve this issue and I was told that they can not communicate with me because I'm not the owner of the account. Please have Capital One remove this from my credit as it is damaging my future use of my credit and it's a liability to my future endeavors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-11 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, Shellpoint Mortgage Servicing fraudulently charged me for lenders Placed insurance. I always was insured and provided all documentation when prompted. 

They failed to receive and properly note my account. I talked with agents to no avail. Then they continued to charge me without any notice they were surreptitiously deducting funds from my escrow account, In addition, This company has poor communication ability, their message app fails to work every time a message is sent I never get it. 

They have setup their system to fail the customer, and reaching them is very difficult. 

Shellpoint has structured their company to avoid helping me, its customer and hide how they are illegally stealing my money from my escrow accounts,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received information that on XX/XX/XXXX approximately {$210.00}, my Synchrony XXXX XXXX credit card was charged. I disputed this charge in XXXX, XXXX. The credit card issued denied my fraud claim stating I received benefit from this transaction. I attempted to call the credit card company and was not given any information as to why this claim was denied, saying only that they investigated the claim. I am wondering what kind of investigation was conducted. I was told by the fraud XXXX initially that the card was not used for the purchase, but that the stores are able to look up accounts if a person does not have the physical card on them. I believe somebody with my personal information used this to their advantage and caused a charge to be made to their 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 2022-03-11 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: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-03-11 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I had purchased two Vanilla Visa gift cards from XXXX supermarket as bridal shower gifts for my daughter-in-law and gave it to her on XX/XX/XXXX. 
Later when she tried to use the cards she found out that there is only {$1.00} on each card. 
She informed me about this issue and I called the XXXX which was on the back of the cards, I was told that the both cards have been used on XX/XX/XXXX in a XXXX XXXX XXXX. 
I informed them that these charges are fraudulent and disputed the charges. 
Their dispute department sent me an application to fill out and email back to them. I received an Email back saying that it will receive complete resolution within 45 to 90 days which is a ridiculously long time. 
The Vanilla Gift card is not a reliable company, the scammers are either within their own company since they are the ones who know when a card is activated or they don't have the proper security to protect their customers. 
After this incident I searched the reviews on these cards and found out that their rating is very low and this disputes happen very often.

Company response to consumer: Closed with explanation