vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage company XXXX XXXX XXXX XXXX XXXX OH XXXX Outstanding Principal {$37000.00} Interest Rate 5.9900 % Prepay Penalty None Property address : XXXX XXXX XXXX XXXX, Texas XXXX Start date : Year 2006 Account # : XXXX Loan Amt : {$35000.00} Still Owe : {$37000.00} How many years do you pay to get the balance down instead of going up. 

Reporting to Credit Bureau Late 21 times when you have 15 days before you are late ... That was several years ago. They are still reporting late charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NV

Complaint narrative:
On XX/XX/2021, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being disregarded. Section 611 ( a ), It expresses that inability to research these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased immediately. I request that these records be erased quickly or I will petition for case because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
The response to CFPB XXXX : XXXX states " the merchants decision not to honor your refund request appears consistent with the terms and conditions the merchant makes available to consumers in connection with the purchase at issue. As a result, we re-billed the disputed transaction '' -- -- -- The merchant never made any terms or conditions of sale available to me -- -- -- Merchant sold a car he did not own, and to this day I do not have title to the vehicle and I suffered a significant loss to address the issues with the other vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Chapter XXXX Bankruptcy is not accurate some of the things that are reporting is not correct. This inaccurate reporting is causing issues with my credit. I have been sending them information since last year on this matter. I have documents to support my argument.

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 2021-09-20 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Today XXXX I called my credit card company, First National Bank of Omaha and asked them to open my account so I could utilize my available credit. 
They told me my account was closed back in XXXX of XXXX and could not be reopened and I would have to reapply. This will not work because with my current credit score I would qualify for a new card and this was not what was promised when I entered the payment program. 
I informed them that I had problems paying my bill do to XXXX and that I was put on a payment program to catch up. I was put on a payment program and was told that when I got caught up my account would be reopened. 
I called every month prior to my due date during this problem period as a show of good faith and to pay what I could. 
Now I am fully caught up and have avaialble credit I should be able to utilize. 
Before XXXX I had a perfect payment history.

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 2021-09-20 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX Credit Report reviewed date XX/XX/XXXX Collector = Procollect Inc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) Original Creditor = XXXX XXXX XXXX XXXX XXXX = {$74.00} Review of my credit report list the above credit collection account twice ( duplicated ). It was paid in full XX/XX/XXXX. I was not aware of the debt until I received their collection letter in XX/XX/XXXX which you can see I paid promptly. ProCollect refuses to remove these negatives on my credit report. Due to the age and their error duplicating, I've made attempts via online dispute and phone calls with no results. Agent answering the phone is rude and hung up on me. 

I request both collections be removed ASAP. 

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 2021-09-20 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 — Investigation took more than 30 days
Company: V and H Portfolio
State: LA

Complaint narrative:
Unauthorized account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: AK

Complaint narrative:
Inquiries that are unauthorized and need to be deleted are XXXX XXXX XXXXXXXX ( 2020 ) XXXX  ( 2020 ) XXXX fraud dept customer service was unhelpful and refused to delete the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My wife 's XXXX XXXX account was hacked. Noticed that there was XXXX w/d from her XXXX XXXX that was linked to her debit card and ultimately our checking account. I reported the fraud to Bank of America immediately and my wife reported the fraud to XXXX XXXX right away -- same day. Both parties initiated a " dispute '' but months after, I get notification from both parties that they have denied our claim. We have no idea who the money went to, did not participate in the transaction, did not allow anyone access or use of the XXXX XXXX account and we did not benefit from the transaction. I tried re-opening the case with Bank of America and I was denied. I even provided all the screenshots that requested showing I was working with XXXX XXXX to resolve and listed on my fax to them that this was complete unauthorized fraud. Bank of America and XXXX XXXX still refuse to assist me. This has been going on for months. Bank of America reversed provisional credit on XX/XX/2021 and then closed the case again on XX/XX/2021. Both times they closed it for this reason, which is complete false. 

As you requested, we completed a re-evaluation of your claim. Our research included the information you provided with your claim, your account history and/or the monthly account statements we sent you. We made this decision because : **The charge was authorized by you or by someone who has permission to use the card or account. If we used documents to resolve your claim, we've included them with this letter. If you have additional information to support your claim, we request that you send it to us in the next 10 business days so we may reopen it. 

They will not allow you to reply. You have to call a 877 # that takes an eternity to reach someone. I did once and they asked me to fax proof and I did. Now, I can not reach them by phone as the hold times are so long. 

This dispute began back on XX/XX/2021. I reported the fraud the very day the transactions were trying to come through. We were very prompt and complied with all their requests to resolve. 

XXXX XXXX will not assist and say they are working with our bank. They are not. We attempted to dispute with them also and they do not have anyone you can call. You have to go back and forth for days via email. They are denying the claim without an accurate reason as well and will not assist. 

XXXX was stolen from me via XXXX XXXX in the amounts of ; XXXX, XXXX, XXXX, XXXX, XXXX I need help with this dispute on either company 's behalf.

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 2021-09-20 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NC

Complaint narrative:
I submitted to Equifax my FTC Identity report with supporting identification documents in reference fraudulent inquiries placed on my report, on XX/XX/2021. Once submitted i called the Fraud team and they told me inquiries would be removed. After, they inquiries came back as factual. I would like the inquiries removed from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The Chapter XXXX Bankruptcy is not accurate some of the things that are reporting is not correct. This inaccurate reporting is causing issues with my credit. I have been sending them information since last year on this matter. I have documents to support my argument.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: Mobiloans, LLC
State: MD

Complaint narrative:
False credit inquiry. I contacted the company, but I did not feel comfortable sharing my personal information over the phone.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BANK NO ESTA CUMPLIENDO CON XXXX POLTICAS DE {$0.00} XXXX DE XXXX A XXXX XXXX DE XXXX DE XXXX XXXX QUE XXXX XXXX DE XXXX XXXX QUE MI XXXX XXXX XXXX XXXX A MI XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX QUE FUE XXXX DE MI XXXX DE XXXX XXXX XXXX XXXX XXXX A VER VISTO EN XXXX XXXX QUE REALICE XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX DE MI XXXX DE XXXX XXXX AL XXXX XXXX XXXX DE XXXX AL XXXX DE XXXX XXXX DE QUE HABIA ACTIVIDADES XXXX XXXX MI XXXX DE CHEQUE XXXX DE XXXX AL XXXX TD BANK PARA CANCELAR Y REPORTAR XXXX XXXX QUE XXXX XXXX DE XXXX XXXX XXXX PROCED A CAMBIAR XXXX XXXX DE XXXX PERSONAL YA QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX QUE DICE QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX PERSONAL QUE XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX DE XXXX PERSONAS Y YO XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE SER PROTEGIDO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CUMPLIR CON LA XXXX DE {$0.00} XXXX DE XXXX A XXXX CLIENTES DE TD BANK. XXXX XXXX XXXX XXXX. 

XXXX DE XXXX XXXX {$5400.00} XXXX NMERO DE XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: AL

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Not advised of the options available to give the home back to the bank after a bankruptcy. Was advised account was noted and that was the end of it. Account is now in foreclosure and to be sold when we could have done a short sale to prevent foreclosure.

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 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CO

Complaint narrative:
The XXXX XXXX XXXX  have alleged that I owe {$550.00} for a full repaint job to the unit. However there was no need for a total repaint. In the lease agreement it states normal wear and tear excepted Which there was nothing more than that, normal wear and tear on some of the walls. I can assure you that these marks were able to have been wiped off rather than repainting the entire apartment. When the initial move out walk through was conducted I was sent no pictures of the walls, yet I was still being charged the {$550.00} for repainting. XXXX did not send me pictures until I had emailed a complaint about it. The pictures I received only showed a few marks on the walls and some left over clear tape, that once again, could have easily been removed from the wall. Even with the pictures these said marks are difficult to even make out. I have previously sent this statement to XXXX XXXX creditor agency, Hunter Warfield. I was never inclined back on my dispute. I contacted the agency once again after two and a half weeks of not hearing anything back, they finally told me that my dispute was denied and this was going to hit my credit today. They said they contacted me on XX/XX/XXXX but, I have yet to receive anything back from them. I have not received any calls or emails from Hunter Warfield since XX/XX/XXXX, when the initial email was sent out informing me of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NY

Complaint narrative:
I feel as though Equifax is acting unlawfully and I am unsure please se attachments for more information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX XXXX, FL 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 2021-09-20 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation