vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  XXXX breach and may have got into the hands of the wrong person.

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 2022-02-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-02-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: LA

Complaint narrative:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Timeline and Summary of loan # XXXX Shellpoint ( address ) This has been our family home for the last 30 years. In XXXX of XXXX, my mother passed away and my father, XXXX XXXX wrote to Shellpoint to inform them that he had given me permission to speak on his behalf. ( see documents ) In XX/XX/XXXX we received a letter from Shellpoint stating they were servicing our family home loan. On XX/XX/XXXX I mailed our first payment and did so consecutively for the next 3 months. 

In XX/XX/XXXX Shellpoint wrote a letter stating we were behind on our mortgage payments. The amount due was {$8600.00}, which included, interest, late charges, and various other fees that seem to change daily. 

I have copies of canceled checks from XXXX and Shellpoint for our monthly payments. During XXXX I reached out to the City of XXXX Housing Program to help with our communication. At that time the company was known as XXXX XXXX  and I had requested copies of our 12 month payment history. 

This has been an ongoing problem with three different servicing companies, that claim my parents missed payments. Ive repeatedly requested payment history information from XXXX. Before we know it the loan has been sold to another servicer. ( Shellpoint ) We did a re modification in XX/XX/XXXX principal balance was {$100000.00}. We made all our monthly payments. In XX/XX/XXXX Shellpoint sent a validation of debt notice of {$110000.00}. 

This has been an ongoing pattern from all three servicing companies, and has brought a great deal of uncertainty, confusion and stress. This loan started out as a {$120000.00} dollar loan in XXXX. This has been a vicious cycle of false claims of in default, remodifications, threat of foreclosures and other unscrupulous accounting practices. 

I would like Shellpoint to provide us with our last 24 month payment history and to remove the {$8600.00} in late charges and fees that we have no knowledge of, nor have we agreed to. ( see documents )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was paid for products I sell and I deposited the check and apparently I was given a check that was not valid. Now I'm being persecuted by the bank and I am being held responsible to pay it back when I didn't write the check nor did I withdraw any funds. Please contact TD bank in XXXX XXXX nj regarding bad check. Td bank took it upon themselves to withdraw the money from other accounts of mine. They owe me close to {$5000.00} plus our money are insured. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I believe Patient Accounts Bureau is attempting to extort money from me. In XX/XX/2022, I received the attached bill for {$35.00}. I attempted to pay online through my bank but Patient Accounts bureau waited weeks to deposit this check against my account so by the time funds were depleted. Therefore, I was charged a returned check fee by Patient Accounts Bureau. I was told my bill had escalated to over {$110.00}. I do not understand how a {$35.00} bill escalated to this amount, even with the returned check fee included, but nevertheless, I paid {$110.00} on XX/XX/2022 on their online pay portal of their website. This payment was successfully processed by Patient Accounts Bureau but they failed to record a payment history on their website ( see attached ). There is no payment history on their website to give the customer an idea of the payment history. Since there is no payment history, they failed to record my payment of {$110.00} which I paid on XX/XX/2022. 

It appears that the {$110.00} payment was never applied to my balance because there is still an outstanding balance of {$70.00} ( see attachments ) showing on my balance at Patient Accounts Bureau. 

Patient Accounts Bureau never applied my payment, they do not have a payment history ( see attachment ) recorded on their payment history and I think they have overcharged me by escalating and adding fees to my original balance of {$35.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Someone have been applying for credit in my name at the following places -XXXX XXXX : XXXX XXXX XXXX -factual Data : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DBA : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CORELOGIC INC
State: FL

Complaint narrative:
Someone have been applying for credit in my name at the following places -XXXX XXXX  : XXXX XXXX XXXX -factual Data : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was on forbearance due to loss of income because of COVID. At the end of my forbearance, I was given a few options on how to proceed. I chose to due a loan modification. I was put on a trial where I had to make 3 payments at a reduced amount. The payments were made XXXX XXXX, XXXX, XXXX XXXX, XXXX  and the last trial payment was made on XXXX XXXX, XXXX. I was told it would take 30 days to process the loan modification once the last trial payment was done. Well we are now at 90 days and 5/3 Bank which is whom I have my loan with still can not tell me what my status is. I have called several times but I am told it's pending. In the mean time, I get mail stating I am delinquent. And I want to make sure I do not lose my home. I have asked to speak to a supervisor, but have not been able to. I have also tried talking to XXXX XXXX at XXXX. She is supposed to my " designated Customer Care Team Specialist '' to no avail. The customer care specialist I did speak to today found it odd, just like the previous two customer care specialist. They have been nice enough to say that they will speak to a supervisor to see if they can get me answers, and that they will call me back. That has not happened yet. Again, I do not want to lose my house and I am not getting any answers but I keep getting mail that I need to act before I lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
I received a statement from HSBC having period XX/XX/XXXX to XX/XX/XXXX. This is the only statement I received since I opened an account on XX/XX/XXXX. 

I called on XX/XX/XXXX and spoke with XXXX XXXX XXXX ( the name may not be correct ). I asked to reimburse $ 50 monthly fee for the entire time ( more than 2 years ). He said that since the account was closed, nothing he could do other than reaching out to his supervisor. He gave me a reference number of XXXX. He told me he would send an email to his supervisor and copy me. 

On XX/XX/XXXX I called and talked to XXXX? since I haven't heard anything since XX/XX/XXXX. She offered to text XXXX to ask him to call me about my maintenance fee refund. 

I called again on XX/XX/XXXX and spoke to XXXX and was told that nothing she or HSBC can do since the account is closed. None of the 3 agents would reopen my account to facilitate my request. I asked XXXX to give me a phone number to complain. She said that I would need to find the help on my own. 

I didn't know that HSBC charged me a high monthly maintenance because HSBC never send monthly statement. I never used the checking service other than having direct deposit. I think it's reasonable to have HSBC to reach out to me that my account has been charged $ XXXX because my account balance is not high enough to have the fee waved. I leaned on XX/XX/XXXX that {$75000.00} is the minimum balance to have maintenance fee waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I still have not received a response from Equifax this has been going on since XX/XX/2021 that I reported these fraud accounts. I was told by the representative it would be removed with 4 business days it has turned into almost 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I may be subject to identity theft, and I suspect my social security number is being used in fraudulent activities. 
Early XXXX a credit card from a retailer called XXXX XXXX XXXX XXXX ) was issued to me without me applying for it. On XX/XX/XXXX, I received an email saying that a credit card from a retailer called Wayfair ( Citi Bank ) was approved, without me applying for it. 
I called both banks to report fraudulent activity on my behalf, and they closed the credit card accounts. I talked to the Citi Bank identity theft department, and they connected me to XXXX in order to set up fraud alert. I placed a freeze to my credit the credit bureau over the past couple of days. 
Both store cards had made purchases ( that did not deliver, or is not going to deliver ), to the following address : XXXX XXXX XXXX. XXXX XXXX, Maryland XXXX. It seems that somebody at this address is using my financial information to open store credit cards and making purchases of small kitchen appliances.

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 2022-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: NC

Complaint narrative:
On XX/XX/22 I reached out to Carvana via their website to start the car purchasing process. I was instructed to download their app which I did. One of the first questions for new customers is whether your current vehicle is leased, financed, or owned outright. Carvana does not allow trade ins on leased vehicles which mine is. They did not need to pull my credit which is a hard inquiry to know that they would not be able to complete my request. This information should have been shared with me and this company should have been transparent with these facts as soon as they were given the information regarding my current lease. This was deceptive, and manipulative and I was told everything but the truth outright by this company. 

On XX/XX/22 I contacted Carvana and told them I did not wish to move forward and to void my purchase order. I also contacted XXXX and was told that I would have to reach out to Carvana to have the inquiry removed. I reached out to Carvana and they gave me a void transaction letter but told me that they would not be able to remove this inquiry. This has been a terrible experience that I would not wish on anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Manhattan Beach Venture, LLC
State: LA

Complaint narrative:
I have a loan with DEPTEDXXXX with account number XXXX. I have always made my payments on time. For some reason, I realized that the records reflect a 120 without preceding 30, 60 or 90 days. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
The debt is for an apartment lease which ended and the owner of the property sent an incorrect amount owed at lease end. I tried to explain to the collection company that the owner of the property acknowledged that the amount is wrong. I was willing to pay the correct amount do but they became very nasty and refused to discuss the true debt owed. the debt is for about {$500.00} and only {$230.00} is actually owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 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: LA

Complaint narrative:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : DEPTEDXXXX  XXXX Balance : {$22000.00} DEPTEDXXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2022-02-28 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: MA

Complaint narrative:
Hi, I am having the same problem with this company as well. I have submitted a letter and documentation and I am getting the run around. I want this information removed once and for all. I have enclosed my information. 

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I got letters in the mail from M & T bank about an account opening on XXXX and then got another letter from XXXX XXXX  stating I opened and account with them on XXXX. 
I did call both and have them both close the accounts and was told to come here and report that. I also got a letter stating that I ( AKA someone else ) put in a request for unemployment with the current work place I'm at, I sadly couldn't get ahold of anyone to inform them that it was not me. I haven't given any information to anyone.

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