vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Erroneous Reporting of Missed Mortgage Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX In XX/XX/XXXX, my mortgage was transferred from : Caliber Home Loans , Inc. of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX When applying for a new loan, it came to my attention that Caliber Home Loans , Inc. , my previous mortgage lender, erroneously entered my payments for calendar year XXXX. To wit : A. On XX/XX/XXXX, Caliber approved a loan modification for my mortgage for {$4200.00} per month, which ended my arrears ( Encl XXXX ). 
B. I made monthly payments by the 1st of the month as specified. The payments were made with XXXX ( XXXX ) or XXXX ( XXXX ) USPS money orders, totaling the entire monthly mortgage obligation. { NOTE : USPS issues postal money orders with a maximum amount of {$1000.00}. } See attached XX/XX/XXXX payment. 
C. However, staff at Caliber chose to assign my monthly mortgage payments, for calendar year XXXX to various sub-categories, as opposed to applying the entire monthly payment as annotated on the monthly mortgage statement. 
D. Subsequently, Caliber staff continued to report to credit agencies as if I was still in arrears on my mortgage payments. 
E. I requested XXXX XXXX Servicing, my new mortgage provider, review my calendar year XXXX monthly mortgage payment history and correct the erroneous information provided to the various credit bureaus. 
F. XXXX denied my request to have my calendar year mortgage payments correctly identified and having the monthly amounts paid-in-full. 

I request assistance in getting my calendar year XXXX mortgage payments correctly identified and having the monthly amounts annotated as paid-in-full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I ordered a XXXX XXXX in XXXX and a pair of shoes and a mat. They sent the bike and then the mat & shoes later on. They ( XXXX ) in error charged me for whole another bike. i made payments on the one back and to XXXX and Affirm the error. They said they would correct the error and refund the money. i informed them I was not going to pay XXXX $ becasue I was already paying on the only bike I have. And I only owe for the mat & the shoes. They agreed and said they would fix and notify firm who was the credit company that gave me the loan for the Bike. I started a complaint & dispute with affirm they said they was working on it. 

Afirm sent a response to me and said as of XX/XX/ they have not received a refund and I did not see a refund on my affirm account. then on XX/XX/ they said they said they see the return ad it was credited on XX/XX/. I was never notified by Affirm or XXXX of this credit refund all I saw was the XXXX listed on my account. I called XXXX XX/XX/ to see what the status was they said they had been sent the refund to Affirm. I called affirm the same day and said it was true they had refunded them and my balance now was XXXX 3 days later I paid the entire balance off. 

15 days later I got a ding on my credit report from XXXX saying this account XXXX falsely charged was 30 days past due and later I got hit with a 60 day past due amount for the XXXX. I disputed with XXXX, they came back and said affirnm said they are reporting correctly. 
I never was 30 days or 60 days behind as of XXXX  Affirm representative XXXX said he did not see the refund.to my account I paid it 30 days later and then on XXXX XXXX XXXX and affirm representative said she see the refund back in XXXX and no one from XXXX or Affirm contacted me about the change. 

I need to have this remove on my credit report my accurate amount was XXXX which I paid. I can never be late on a Fraudulent or a duplicate charge of XXXX. 

Please I need help with this this have dinged my credit scorXXXX XXXX point just off the 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts are reporting late as reported in my XXXX and Credit bureaus. These accounts should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on these accounts. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$320.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been making mortgage payments with XXXX XXXX XXXXXXXX bill pay for the past 3 years with no issues until XX/XX/2023 the payment was rejected and sent back i started to getting miss payment letters and paid a late fee and my XXXX  score dropped by XXXX points i have sent numerous letters but cant get a response.

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 2023-05-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I saw many inquiries appear on my credit report of Equifax. Those are incorrect information and not accurate. I demand Equifax remove those inquiries from my credit report due to accuracy. I already disputed through the Equifax site, but they do not border, investigate, or take any action to remove those. 
List of inquiries that I did not recognize : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Received the credit card XX/XX/XXXX. Made on transaction amaynd the card was flagged as fraud. Waited until XX/XX/XXXX to get a replacement. Used the card and again flagged for fraud. However, this time I was traveling and had to sit in the hotel lobby for XXXX hour on the phone before I could check into my room. XX/XX/XXXX the card was then again shut off for fraud when I used it to purchase XXXX tickets. Spent another hour on the phone. Tried to make another purchase and again, same day, within minutes had to call back and speak to someone for another hour. XX/XX/XXXX, called to inform Chase I would be traveling and to not flag the card as fraud. The lady reassured me everything will go through and on XX/XX/XXXX, the card has been flagged for fraud. Not to mention I am XXXX states away and hundreds of miles from home. If I didn't have a back up to this rather shotty credit card company, I would be stranded. This company is the worst and I am going to make sure to tell everyone I know and have them tell everyone they know. What a joke and a waste of time. I have never experienced or witnessed something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: NV

Complaint narrative:
There are several auto loan inquiries and credit XXXX credit report that were not done by me. And have significantly drop my credit score and have been reason for me being denied credit because of to many inquiries. Please help me remove these from my report. 
I have tried reaching out to the companies with no resolve. They told me to dispute it. XXXX XXXX XXXX XXXXXXXX XXXX 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 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 2023-05-05 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: CA

Complaint narrative:
There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the XXXX credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a XXXX dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. With XXXX XXXX this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to XXXX, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! For the XXXX XXXX XXXX XXXX XXXX account, there are XXXX late payments reporting, neither were valid either! XXXX of them, they admitted to their system being down due to XXXX and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened XXXX new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. For XXXX XXXX XXXX XXXX, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!

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 2023-05-05 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: CA

Complaint narrative:
There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the XXXX credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a XXXX dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. With XXXX XXXX, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to XXXX, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! For the XXXX XXXX XXXX XXXX XXXX account, there are XXXX late payments reporting, neither were valid either! XXXX of them, they admitted to their system being down due to XXXX and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened XXXX new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. For XXXX XXXX XXXX XXXX I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has violated my rights and has ignored my concerns over their reporting of erroneous account information on my credit report. They have illegally verified information that is reported wrong and there is no way to get a reasonable explanation from them. They have not provided any proof that I requested and I have not been able to get ahold to them over the phone. I have sent them all the information I have. They have stressed me out by making a simple situation difficult and refusing to uphold their legal obligations.

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 2023-05-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In accordance with the Federal Credit reporting Act this creditor has violated my rights! Under Article 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15 US.C. 1681 section 604A Section 2 it also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NM

Complaint narrative:
I started the Public Service Loan Forgiveness ( PSLF ) process over a year ago and had a balance of {$5600.00} forgiven in XX/XX/XXXX, while the loan was with XXXX XXXX. My remaining balance was with XXXX and had to be transferred. After having seen no movement for several months after the fact, the PSLF application form was re-sent to Mohela in XX/XX/XXXX, which they closed as a duplicated request. 

My loan again did not transfer. In XX/XX/XXXX, we called Mohela and they said the request to transfer the loan was submitted in XXXX. My loans were finally transferred and I was able to create an account with them, and now they are telling me I have to wait another 30-90 business days for my qualifying payments to be assessed, and who knows how much longer for the Department of Education to finally provide the approval to discharge the loans. I have approximately {$62000.00} remaining to be forgiven and I am looking to start my own practice. 

This delay has hindered me significantly as I have patiently waited for the Department of Education and its servicers to do their jobs. Working as a XXXX XXXX XXXX XXXX XXXX through a pandemic was hard enough, and going through this process has been very demoralizing. To be honest, I'm considering legal action or going to the media to try to expedite the process of loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized & fraudulent credit inquiries on my Equifax credit report. My latest credit report shows 19 credit inquiries that I did not authorize. I have listed them below : 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 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 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 2023-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: VA

Complaint narrative:
Cash app has taken almost {$140.00} from my account claiming in the month of XXXX and XXXX they had an error that caused them to pay merchants when there wasn't funds available so on XX/XX/202XXXX cash  app " updated '' a purches from XXXX for {$95.00} and then another transaction from XXXX for the amount of {$5.00}. I called to find out what was going on received and email about the error and explained to them that none of that could be correct because one I hadn't made a purchase for that amount and the purchase that I had for the amount around that time for and amount close to that which included shipping was refunded to me. They told me they would look into it but it could take up to XXXX days before I get my money back even when it's not the merchant taken the money. XXXX Friday XX/XX/2023 I get another deposit of {$100.00} and they have another " update '' from XXXX which again I'm not seeing any orders for the amount they are charging me for in the amount of {$34.00} that was taken out my account again for claims of payments that didn't go through so I call and at this time I told them they are just stealing money out of my account. They continue to claimed they don't have a XXXX that I should receive an email and XXXX of the reps hang up the phone on me even when I wasn't being irate. They are just stealing money with no proof of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX 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 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 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  A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish 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 than XXXX 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.

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