vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since XXXX the company ClickLease, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, United States, ( XXXX ) XXXX, has been attempting with my authorization to complete a " Soft Pull '' of my Experian Credit Report. They have continually reverted to me with the following message ; 1. You may have a freeze or lock on your Experian credit profile. Please check with Experian to see if this is the case.

2. If there is no freeze or lock on your credit profile then there is most likely a typo in your personal information on your application. To resolve this please contact XXXX customer care at XXXX. 

Since that date I've been in multiple telephone conversations every working day with Experian because in fact there is no freeze, lock or any type of inhibition which would prevent an authorized potential creditor from completing a Soft Pull on my credit file. XXXX, has reached out to the technical department of Experian and they have created the following case file # XXXX I hope that you acknowledge therefore my just and fair frustration and anger that Experian has placed an unauthorized " Hard Inquiry '' on my credit file! I state that Experian alone is responsible and not XXXX because the latter did not request a Hard Inquiry be made on my credit file, nor did XXXX have my written authorization to perform a Hard Inquiry on my credit file has is required by the Fair Credit Reporting Act! 

I have raised this issue with Clicklease directly, however, they have not yet even had their original case file resolved, nor have they received the information from the Soft Pull or the Hard Pull! While XXXX will contact Experian concerning the Hard Inquiry, I as the consumer who's credit report now has an unauthorized hard inquiry on my credit report am adversely impacted has my credit score has dropped by three points and should I wish to approve an authorized and legal hard inquiry my probability of successfully achieving my goal is mitigated by the unauthorized illegal hard inquiry placed on my credit file due to Experian 's negligence!

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
CREDITOR NAME : XXXX BANK XXXX XXXX : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : 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 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I own a high-end rental property in XXXX, CT. It rents for almost {$5000.00} a month. I had a tenant who lived in this home for 14 years. Unfortunately, this tenant lost his job in XXXX and did not pay for over a year and I ultimately had to evict him. I got behind on my mortgage payments because of this and ShellPoint Mortgage Company threatened me with foreclosure. 

However, in XX/XX/XXXX, ShellPoint Mortgage offered me a formal Repayment Plan. Per the terms of the plan, I needed to pay {$25000.00} down and then pay {$6000.00} per month. There was no explanation of how the amounts were determined. The Repayment Plan included an option to appeal. Furthermore, the Repayment Plan stated that I did not need to make the full payments until the appeal was resolved. 

From my perspective, the payments seemed much higher than I had expected, based on the amount I owed ; so I submitted a formal appeal on XXXX XXXX. I received a response from ShellPoint on XX/XX/XXXX, that addressed the first two points of my appeal. However, the third point of my appeal was not addressed. On or around XX/XX/XXXX, I received a letter in the regular mail from ShellPoint stating that my matter was complex and asking for more time. On XX/XX/XXXX, I had not heard anything, so I sent an email reminding ShellPoint that item # 3 of my appeal had not been addressed, I did not get a response to my appeal during XXXX, so in XXXX I again sent an email to remind them that my appeal had never been answered. I also pointed out to ShellPoint that their team had made a mistake in calculating the payments of the Repayment Plan and the payments were overstated by over {$800.00} per month. 

At this time, ShellPoint advised that I missed the cutoff for the original Repayment Plan because I did not make the payments in XX/XX/XXXX. They advised I would need to apply for a new Repayment Plan and would need to submit multiple documents to see if I could get approved. I reminded them that the original Repayment Plan included a right to appeal and that payments were not required until the appeal was settled. I advised them that it is unethical and perhaps illegal to refuse to honor the Repayment Plan. However, they refuse to honor their written word. 

During the month of XXXX, I had emailed my ShellPoint contact to see if I could submit the regular payment while waiting for my appeal to be completed. I was told that any payment not for the full amount ( even though the amount was overstated ) would be returned to me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
CREDITOR NAME : XXXX XXXX  XXXX XXXX : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : LVNV FUNDING LLC AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have no knowledge of this account. XXXX did not verify the following key information : Payment status Amount past due Worst payment status Times 30/60/90 days late Minimum monthly payment loan terms late payment dates any payments made and when

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have no knowledge of this account. XXXX did not verify the following key information : Payment status Amount past due Worst payment status Times 30/60/90 days late Minimum monthly payment loan terms late payment dates any payments made and when

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 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for mortgage with fifth third Bank. In XX/XX/XXXX. On XX/XX/XXXX I reminded XXXX XXXX XXXX that property was a lease hold. Association did not own land. My realtor said remind loan officer because some banks do not do loans on lease hold properties. Bank person did not seem concerned at that time. Continued with application. Paid {$390.00} application fee on XX/XX/XXXX. Posted to my XXXX XXXX account on XX/XX/XXXX. On XXXXor XX/XX/XXXX XXXX XXXX XXXX informed me that 5/3 bank does not do lease hold property loans. I had to start over with other mortgage companies. This was 5/3 banks fault. Info was on for sale data and I told them. They will not refund my {$390.00}. To me that seems like fraud. Why did they wait until they took my money to tell me they don't do land lease Mortgages. 
I want my money back. To me that is a lot of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was sent a case of wine that I did not order, from a company that had my credit information from a precious transaction one year ago.

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 2022-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: X5 Home Loans LLC
State: MA

Complaint narrative:
I am purchasing a new built home with a mortgage rate of 2.7 %. The initial VA appraisal was done, but a follow up was needed to confirm that everything that was described was completed. The original closing date was XX/XX/2022 but due to a delay with the builder I had to pay an extension fee to keep my rate. I paid about {$3600.00} and extended it to XX/XX/2022. I was told by my lender that we were waiting on the confirmation appraisal by the VA and that the XXXX would be fine. When the XXXX came around the confirmation was never received because the lender never notified the VA that the building was complete. I had to them extend my rate to XX/XX/2022 and pay an additional $ XXXX. I explained to the lender they should be responsible for the fee because they burden the appraisal process but they told me it was the builders fault and that if I wanted I could take my business else where. Every VA appraisal process article I read, explained that the builder is never involved with the appraisal process just the lender, as they have to use a portal to request it. I just want my second extension fee money back and the lender to admit his mistake in the matter. Im attaching my closing documents which show the fee and my email to XXXX mentioning this burden is theirs, however there was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
My mortgage was held by a company called XXXX XXXX. I took advantage of COVID forbearance and at the end was offered a modification that took my mortgage to the $ 2500/mo range . In the middle of this modification my mortgage was sold to a company called Midland Mortgage, part of Midfirst Bank ( loan number XXXX ). Midland is either completely clueless or, I suspect, is actually trying to deny me the modification I am entitled to through the various federal COVID relief programs. 

My last mortgage statement was only showing an escrow amount of {$230.00}. This is insufficient to cover my PMI, homeowners insurance ( $ XXXX ) and property taxes ( over $ 8000/yr ). When talking to them they said my actual mortgage payment is going to be nearly $ 3000/mo. I can not afford that and it is contrary to the documents I had already signed with the previous mortgage holder for the modification down to {$2500.00}. When I asked to speak to a supervisor, I was just transferred around among other tellers and left on extremely long holds. They clearly were just trying to wear me down. 

Again, it is my belief that this nonsense represents an intentional attempt to deny me relief that I am entitled to from the federal COVID relief.

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 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C SYSTEM INC tried to destroy my credit back in the year 2020 as a FRAUDULENT claim, this account has been PAID OFF for 3 years. 

I am attaching evidence of the fraudulent claim and reporting IC SYSTEM INC is doing to my credit. 

I am demanding to DELETE this fraudulent claim as this account was PAID IN FULL 3 years ago. 

DELETE FROM ALL BUREAUS.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed a Account from XXXX XXXX  {$400.00} us still on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, Radius Global Solutions notified me of a debt it purchased and intended to collect. I responded by certified US Mail on XX/XX/XXXX, disputing the debt, requesting proof of its legality and validity, and demanding that it cease all collection efforts and other debt-related communications by phone, mail, and email. Radius did not respond to my dispute as required by law, and sent a request for payment by mail on 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 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AmeriCollect
State: PA

Complaint narrative:
I have been working on getting my credit score back to par for years and finally this year I have been able to make a pretty big stride. I had three medical transactions/bills that weren't paid off when my State Medicaid insurance went into effect, so I placed a dispute with XXXX and the debt collector realized since I was a Medicaid recipient , that the bills should have been taken care of. Then about a month later this charge for a medical bill owed from back in 2019 surfaced as a debt. It totals around {$53.00}, and should have also been paid and taken care of by Medicaid, however through two disputes, they refuse to drop the debt. I never received a bill from this " said '' debt collector, a phone call or an email. To my knowledge, it didn't exist. They have not tried contacting me, nor have before, and they have had access to my current address/phone number/ email, plus I provided my up to date State Medicaid card in the last dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XXXX XXXX, 2022, I was at XXXX of XXXX ( AZ ) doing the paperwork to buy my leased vehicle off lease from XXXX. I was told by them that I must go the sales process in order to buy the vehicle. 
Prior to that scheduled date, I arranged for financing with a local credit union, and provided the approval letter from that credit Union ( XXXX XXXX ) to the salesperson, XXXX. She then took out about 15 or so documents for me to approve and/or sign. 

One such document was a Credit Application for XXXX, yet I told XXXX that I am not applying for credit through them, I already have a loan ready to go. She said, and I quote, " ... XXXX requires the buyer to complete and sign the form in order to buy the car ... '' Again, this is the car I have been driving on the lease for 2 years, which I am now buying ) XXXX asked me what the XXXX was offering in rates and terms, and I told her. 
Once we were done, she submitted all the paperwork to the finance team, and XXXX from finance called me into her office. 

The first thing XXXX presented to me was XXXX documents from Mountain America CU in Utah. I asked her what that was, and she said it was for the financing I asked for. I told her that I did not ask for financing, that i had already arranged for financing. 

However, since it appears that Mountain America is a partnered company, since they did the same thing 7 years ago when we bought a different vehicle from them. XXXX stated that Mountain America was a " much better company ... '' yet the rate and terms were identical to XXXX. I told her no, and she grabbed to two forms and shredded them. She was visibly angry that I did that. 
Had this been any other attempt to buy a car, i would have walked out. 

Now I have learned that Mountain America did a credit check, a hard inquiry, which now shows on our credit report. 

I never requested nor approved using Mountain America, yet I now have a hard inquiry on my XXXX report, which will remain for 2 years. 

I asked XXXX ( finance director ) at XXXX to work with Mountain America to remove the inquiry ( which negatively affects my XXXX score ) yet XXXX claims that they are powerless and Mountain America flat out said no, claiming that they would only do if their was a fraudulent application by a 3rd party. 

I have a family account with XXXX which covers all all of our accounts, allows locks and freezes. Yet we now learn that in order to lock our reports on XXXX XXXX and XXXX, we must join both of them and pay for an account. 

I believe XXXX misrepresented to me what the Application form would do, and I believe Mountain America should clearly remove the inquiry, since it was done without my request or approval Lastly, I feel it is wrong that XXXX and XXXX XXXX should allow me to lock my reports without paying them each over {$300.00} a year. 

thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have made several phone calls to equifax attempting to correct my credit report for two months. I informed the company that I have 7 hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not requested or applied for any type of credit. Equifax refuses to research the situation with these companies directly and remove these inquiries. I have not signed or made any agreements with any of these companies and I informed equifax of the federal laws and they wont remove them. Please help me get my report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I just received a text from this number that my fifth third debit card had been frozen. I don't bank there. I figured it would be helpful to report on behalf of those that do. Hopefully nobody gets scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account : 1. XXXX XXXXXXXX XXXX ACCOUNT # XXXX 2. XXXX  # XXXX 3. XXXX  # XXXX 4. XXXX # XXXX 5. XXXX XXXX # XXXX 6. XXXX XXXX  XXXX # XXXX 7. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX  XXXX # XXXX 10. XXXX # XXXX 11. XXXX XXXX # XXXX XXXX. XXXX # XXXX 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 2022-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my Capital One. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto-pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me INCLUDING CAPITAL ONE. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Remove these late payments now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation