vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more knowledge on. The incorrect and inaccurate information being reported is hurting me to exercise my credit rights.. I read something called the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am sure is inaccurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
pursuant to federal and consumer law all items mentioned must be removed for the following reason : i the consumer exercise my right to privacy and under the ( FAIR CREDIT REPORTING ACT ) 15 usc 1681c it defines everything that is to be excluded from a credit report. further more i have never given consumer reporting agencies written permission to furnish a report on my behalf with they are required to have under ( FCRA 15 usc 1681b ( 2 ). Due to the nature of theses offenses i can and will hold all parties included accountable and seek litigation if my desired outcome of removal from all consumer reports aren't met pursuant to 15 usc 1692k. please delete information at once I am familiar with 15 U.S.C. Sec. 1681 ( a ) and it states if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? You have XXXX  days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX ( original creditor : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account Name : XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account Name : XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account Name : XXXX XXXX XXXX XXXXXXXX ( original creditor : XXXX XXXX XXXX XXXX Account number : XXXX I also read where I am allowed the updated report after you complete your investigation. Could you please send it to me? Also, please let me know who had access to my file as well as date time and original contract with signature if your finding comes back to be correct. I want the investigation outcome to be sent to my address and not any other incorrect addresses listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I have been working with a credit counseling company XXXX XXXX since XX/XX/XXXX, they are sending payments to this CC Company ( Aspire ), I have been getting nothing but trouble with them every time I call them and try to get information out of them for a hardship payment plan, a payment date change ( to stop the late charges from accumulating monthly ). They have lied to me about information they have received from my debt collection company ( I know this to be true because I am in contact with them almost daily lately, just today XX/XX/XXXX and yesterday XX/XX/XXXX ). Aspire ( the cc company ) stated to me on XX/XX/XXXX over the phone, they had no information about a rejected proposal from my debt consolidation company, ( they did as stated above they rejected the payment offer ) so I had to call to find what they would consider for a monthly payment. I never could a straight answer from XXXX representative she put me on hold 6 times, she told me there was nothing in my file from XXXX XXXX, and when asked for the 6th time about a payment amount, she said again well you can send something!!!! I hung up at that point!! They are refusing to work with me and I have even increased my payments from XXXX ( that was in XXXX ) to XXXX as of XXXX. They are accepting my payments also! I can not change my pay date I'm on social security XXXX and get paid the XXXX of the month and that's it the Government does not change for anyone! The due date is the XXXX my money goes through XXXX XXXX then onto the XXXX company so the payment is not there until the XXXX or so but again the CC company refuses to work with me on a due date change! 
I'm trying to pay this down but with them charging late fees and over the limit fees ( that they created ) it never will be paid off!! 
Card ending in # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights. 

15 US.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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called American Express to close the American Express Gold card.

During the call they presented some offers to keep the card open. After some negotiation, it was offered to cover, with existing points, the annual fee already charged, plus additional points after some spending. 

American Express failed to follow what was agreed. 

The annual fee charged has not been covered with points as agreed multiple times via phone. It was confirmed multiple times. I was even asked for a special security code to confirm the use of points. I was asked for this code twice. 

I contacted American Express customer service about this, via chat. The bank now denies, in writing, that I was offered to cover the annual fee with points, and only confirmed the part of the offer where I need to spend to receive points. 

I request CFPB and American Express to review the call made on XX/XX/2022 around XXXX XXXX 

Banks like American Express are very rigid when asking customers to follow terms, I've read horror stories about American Express, but as seem here, they fail to follow their own Terms- and I ask, what happens to them? Nothing?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 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: NC

Complaint narrative:
XXXX XXXX banking - XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX and XXXX XXXX XXXX, 2022 XXXX bank - XX/XX/2022 In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX banking - XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX and XXXX XXXX XXXX, 2022 XXXX bank - XX/XX/2022 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number

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 2022-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Requested a Refund on XX/XX/2022 from Aidvantage for payments made during COVID. At which time i was told it would take 4-6 weeks to process and would be repaid the same way it was made and confirmed it was still the same bank account on file. 
XX/XX/2022 Called for an update and was told 6-8 weeks. The approval date was on XX/XX/2022. 
XX/XX/2022 XXXX Called for a update had to look for my loan request was now told 8-12 weeks for ACH direct deposit and 10-14 weeks for check. Then i was told request was put in for a check and there was nothing they could do. 
XX/XX/2022 XXXX called back talked to another representative who also had a hard time finding my request. She stated it was still processing on there end and that she could put a note for request via ACH still.

Currently almost 9 weeks in today and no updated balance since the initial 4-6 week window i was told, initial request was put in on XX/XX/2022. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: CA

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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: CA

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and result from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA Section 605b. In order to help prevent false information from being submitted to my report, I have included a few papers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: CA

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX I XX/XX/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 2022-11-29 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-29 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have had a long history of a credit score of XXXX. After I took out a car loan with XXXX for 48 months I paid it off in 18 months. I made all payment well in advance of due date. 
The loan was paid off over a year ago yet TransUnion Credit Bureau continues to carry my score at XXXX with a sub note that says they have no current information. I have not checked the other credit reporting companies but I expect to obtain a score of XXXX due to the fact that I have paid off the one obligation that dropped my score. TransUnion has on their records that the loan was paid off over a year ago ( XXXX balance ). 

I paid cash for my house with no other loans outstanding and pay all of my credit card bills in advance. Balances have always been about the same yet the score has never been changed from XXXX. 

I talked with a TransUnion rep and got nowhere except to contact this agency. Please forward to ALL credit unions.

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 2022-11-29 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Can you please include Shellpoint MortgageXXXX XXXX XXXX XXXX in this XXXX XXXX XXXX I reached out to XXXX XXXX XXXXXXXX regarding an insurance escrow issue. I did as the bank ask and continued making my prior payment before XXXX dropped my agent without my consent and wrote a new policy with their preferred underwriter who increased the policy by 65 %. It was then sent directly to escrow without my knowledge. Insurance is not escrowed in the loan documents. After two months of paying what I was ask to pay XXXX XXXX XXXX contacted XXXX and XXXX to report the late payments. I was less than {$600.00} in arears and had done as they ask. I contacted an attorney to see what I could do. He asks me to request copies of the Loan Documents and proof of Jurisdiction over the loan and have them submitted to his office. XXXX XXXX XXXXXXXX did not respond. The Attorney reached out and was informed they had passed the loan to Shellpoint weeks before ( 2 weeks after they were informed, I had an attorney ). In XXXX XXXX XXXX XXXX  XXXX ( long after the loan was passed to Shellpoint ) offered to make a settlement with me. My attorney at that time had stepped back. He was not licensed to argue a case in Federal Court. 
I did not retain my current attorney. I had received a foreclosure assistance notice in the mail literally 10 days before the foreclosure would become final. The attorney I hired always included an additional attorney on correspondence leaving me to believe they were partners. He assigned himself as attorney of record without my knowledge. When the attorney became intimidating and harassing, I investigated the two and they were never partners. I ask the attorney several times to dismiss from the case and he refused. I had to reach out to the Texas bar for assistance. I am including this information so that you will understand why this attorney is under review by the Texas Bar for his relationship with Shellpoint. 
Shellpoint has never provided one bit of information regarding there association to this loan. I reached out to them 6 weeks ago and they responded with a refusal to comply and a threat that I never reach out to them again. 

Shellpoint has so many complaints and lawsuits filed against them. I must wonder why they are even allowed to be in business. Except, of course they are the only mortgage company that will take on these illegal loans and attempt to bully people into doing as they demand.

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