vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
The account was in a lawsuit filed in XXXX, in XX/XX/XXXX we agreed to dismiss the lawsuit if the corrected the report. We agreed to make XXXX trial payments in the amount the requested by XX/XX/XXXX. We completed the payments but they went back and marked those payments for XXXX, XXXX and XXXX. Then reported us as delinquent for XXXX and XXXX. They have not updated our report since XX/XX/XXXX, which shows us 2 times past 30 days late. We made full on time payments in XXXX, XXXX and XXXX and the still have us listed as late. That caused our score to drop XXXX points. We are not late and that needs removed as with reporting the payments we made the last XXXX months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In 2005, I was victimized by Wells Fargo specifically their predatory lending practices. 
What you need to be reminded of : -they took advantage of my dream for home ownership the American dream. 
-they concocted an illegal home loan that violated over traditional funding practices which included the over valuation of the property : -they ignored my debt to income and loan to value ratio. 
-levied unfair terms, by taking advantage of my inadequate understanding of loan terms and conditions. 
-Wells Fargo underwriters were confident that this loan would default and they would end up repossessing/foreclosing the home and recoup any losses with mortage insurance and the tax payer bailout. 
-they destroyed my family, my finances, took 10 years of mortgage payments : {$530000.00}. The house was listed and purchased at : {$390000.00}, Ignoring all appraisals. 
-I am XXXX XXXX XXXX XXXX -The property was recently resold. 
-my down payment, interest payments, principal payments, equity, all gone. 

they payid a XXXX dollar fine to XXXX knows who, and my family is still in ruins. 
How can they make me whole? 
Where is my relief? 
How can I start over? 
Where do I apply for 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 explanation
Consumer complaint received 2021-12-05 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:
My consumer report contains private information that is prohibited by law, which include my credit utilization and or late payment history USC 1681 ( A ) 2-states reports containing information solely as to transactions or experiences between the consumer and person making the report. 

USC 1681 ( b ) outlines the definition of person which states any individual partnership, corporation, trust, estate, cooperative association, governmental subdivision or agency or other entity USC 1681 ( A ) c outlines whom the person is

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 2021-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
In XXXX of XXXX, I went to the XXXX dealer and purchased out my vehicle at the end of the lease term. At this time, my account with Honda financial services was closed and has been closed since that time. 

Despite the account being closed for 2 years, on XX/XX/XXXX, Honda financial services made a payment on my behalf to a supposed tax bill they received and forwarded the cost to me. 

This can not be valid for several reasons : 1 ) the account is closed and has been for years, no activity should occur on this account XXXX ) I have never received a tax bill in the amount requested by XXXX, nor do I still live in XXXX XXXX, where XXXX told me on the phone the bill originated. If XXXX is receiving a bill from the City, it is because of something they have set up, not myself. 

3 ) I receive a biannual property tax bill from my current territory, the county of XXXX, which i have fully paid This is the second year in a row this has occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I took the Covid-19 forbearance in XXXX of 2021 and Caliber home loans ( loan provider ) did not explain the most important part of the forbearance which was that at the end of forbearance they would add the total amount due on top of my loan amount which was a huge thing in decision making for the forbearance. They clearly did not mention anything like that but they said it was included in the agreement which does not state that at all. I took forbearance because of financial hardship as my wife had lost her job due to Covid-19. My initial loan amount was {$160000.00} and now they're saying that I have to pay additional {$11000.00} on top of my loan amount as I had taken the forbearance. They also did not explain that the interest would accrue during forbearance and that the principal would also be added to my original loan amount which is clearly a scam. I talked to them in XXXX and had stated to continue my payment as I was scared for foreclosure but they only took out one payment and stopped taking more payments even though I was enrolled in auto pay. I believe they did this so that my monthly payment of {$960.00} would keep adding up on my loan. In XXXX they stated that they'll put me into a deferment plan and I would receive correspondence in a week but nothing was received from their side at all. They keep adding my monthly payment on top of my loan amount and now my loan amount they're showing is {$170000.00} which is purely not what they had stated when they started the forbearance. I kept calling them and they would say my deferment plan is being reviewed but no decision has been taken in all these months. Please help me as I'm the sole earner for my family and I'm not able to make and afford these additional {$11000.00} payments that they have added on top of my loan and are demanding a payment in full so that I can be current on my payments. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: DE

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-12-05 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: DE

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
On XXXX XXXXXX/XX/XXXX we inquired online for a mortgage loan. We asked for only 1 lender contact us... XXXX XXXX We spoke with them and started the process. On Sunday we received phone call from XXXX telling us that we had asked for XXXX XXXX XXXX & they owned that site. The banker I spoke with was very enthusiastic & offered a low rate. It was only when I asked about high closing costs that I was told it included buying points down. I told them I was not interested in that & rates went up. We asked how to receive a Pre-Approval Letter as we were just starting to search online for a home 5 hrs north to be back closer to family. The banker walked us thru the process & before we knew it we had signed papers & paid application fee of {$500.00}. We had till Thursday to send in documentation to proceed. On Monday we decided not to proceed & called their Customer Service Dept to cancel. The rep. led me to believe it would not be a problem. The next call I received was from the banker telling me we needed to proceed & that getting the Application Fee back was not possible. We declined & told him we would contact CFPB. He told me in a very smug tone to go ahead & do what I needed to do. 
Since then we have rec 'd emails & phone calls to proceed with loan. We declined. Next?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I talk to low office XXXX  block paid in full need to update to send all three the credit bureau

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 2021-12-05 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XXXX, XXXX, through XXXX charged my American Express Platinum card XXXX bathing suits at {$660.00}, I did not order or received. 
American Express platinum covered the charges. {$660.00}. 
XXXX reversed the charges, {$660.00}. 
American Express Platinum did not reverse their covered charge. 
I am left with a fake charge of {$660.00} from American Express Platinum, I am expected to pay! 
I wish to reverse American Express Platinum charge {$660.00}, asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: DC

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Atlanticus Services Corporation
State: ME

Complaint narrative:
I tried to change my username but there is not an option to do that. There are 2 sources of security when it comes to accessing an online banking platform. The username and the password. If your username is on the dark web or has been used to hack into other credit card accounts ( as mine has ) than now your security level has been diminished by 50 % if you are unable to change your username. I then asked to have my online account deleted and was told that was not possible. How is it not possible to deactivate a consumers account? I find this unbelievable and also unsafe. The end result was that I had to close my account to protect my personal information. Because I have closed my account my credit score will be negatively effected. The reporting agency algorithms will read the closed account as negative as though I did it because i couldn't pay my bills. This company should not be allowed to offer online access if they can not provide a secure environment for their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AR Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 AR Resources added a derogatory mark on my credit report in reference to XXXX accounts per XXXX and XXXX. I disputed account # XXXX, # XXXX, # XXXX with the Creditor XX/XX/2021, nothing I demanded was provided to me except a copy of a bill. A bill without no signature does not validate the debt and anyone can send a bill and say its mine. Also the account # XXXX in particular, has passed the Statute of limitations according to FL Medical Debt Law this was XXXX of the demands the creditor FAILED TO PROVIDE, In addition to, according to FDCPA, Creditors must report to the CRA that an account is being disputed and A UPDATE Activity Status AR Resources FAILED TO DO THAT. I have the accounts re-investigated and still they did not contact the CRA regarding the disputed account also no change in the account activity, It shows a consumer dispute the account because I have disputed these accounts in the past, NO ACCOUNT ACTIVITY UPDATE from XX/XX/XXXX until today. I would like these accounts REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: PA

Complaint narrative:
To whom it may concern, Under 15 u.s code 1618B-permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I, never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

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 2021-12-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX deleted the bankruptcy XX/XX/21 they reported to the bureaus because it was inaccurate reporting. Equifax then deleted it XX/XX/21 now they added it back to my report XX/XX/21 this is illegal inaccurate reporting if this doesnt get deleted asap I am hiring a lawyer and WILL DEFINITELY MOVE FORWARD WITH A LAWSUIT AGAINST EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Fortiva opened up a credit card in my name illegally. They signed my name on the account. I never authorized them to open a account in my name. Fortiva has now ruined my credit to XXXX XXXX score. They keeping telling XXXX that i am late in payments, when i do not owe them anything. I do not even know who they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
Im on XXXX this collection agency wasnt given permission to take money from my XXXX  debit account yet did anyways. They took 800 $ illegally there was no consent and its ssi money They took {$300.00} and {$500.00} from my account The company is http : //www.lienenforcementinc.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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:
My consumer report contains private information that is prohibited by law, which include my credit utilization and or late payment history USC 1681 ( A ) 2-states reports containing information solely as to transactions or experiences between the consumer and person making the report.

USC 1681 ( b ) outlines the definition of person which states any individual partnership, corporation, trust, estate, cooperative association, governmental subdivision or agency or other entity USC 1681 ( A ) c outlines whom the person is

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 2021-12-05 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: FL

Complaint narrative:
My consumer report contains private information that is prohibited by law, which include my credit utilization and or late payment history USC 1681 ( A ) 2-states reports containing information solely as to transactions or experiences between the consumer and person making the report.

USC 1681 ( b ) outlines the definition of person which states any individual partnership, corporation, trust, estate, cooperative association, governmental subdivision or agency or other entity USC 1681 ( A ) c outlines whom the person is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have XXXX tradelines on my credit report XXXX and XXXX XXXX, both of these tradelines are reporting accurately with XXXX and XXXX. I have asked Experian multiple times to please update their reporting and apply this tradeline to my credit profile. They have failed to respond to my multiple request.

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 2021-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
XXXX XXXX from Carrington mortgage contacted me in reference to refinancing my loanI an currently in forbearance due to COVID-19 XXXX XXXX He said that I owe XXXX in back taxes and this has to be paid before it refinance The only problem ids that because my loan is in default the money can not be taken out got my checking account He gave me an option of putting the money on XXXX Visa cards for XXXX. XXXX. XXXX total XXXX I was told by my bank that this us a scam and did not give him any money He left me several messages trying to pressure me into giving hint the money In his final statement he said that he was going to issue me a legal notice According to Carrington mortgage making a payment with XXXX XXXX is not an option. They would never ask for money upfront and never pressure me for money XXXX XXXX has called me and left several messages which I saved and regarding the XXXX in back taxes He has given me until Monday XX/XX/21 mornings to pay the XXXX with XXXX XXXX card

Company response to consumer: Closed with explanation