vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
To : Shellpoint/Newrez RE XXXX XXXX & Acct : XXXX In response to your USPS Certified mail sent to me and dated XX/XX/XXXX. The slip for pickup dated XX/XX/XXXX and received on XX/XX/XXXX as your receipt will indicate. 
I should not need to contact Shellpoint for an exact balance due monthly. The exact should be denoted on the mortgage statement due for the following month. Is that not the purpose of a monthly statement? 
As you stated the correspondence is duplicative and you have responded. You did respond on the requested interest of payment for the flood insurance I made on behalf of Shellpoint/Newrez that was supposed to be paid from my escrow account. You made the payment two months later. Your responses have not satisfied inquiries and the requested supported documentation. Therefore, it will be duplicative inquires. Ive also received duplicative correspondence from you stating its complex matter, send correspondence to another address, blah, blah, blah. 
You stated two payments were applied to the principal balance in XXXX. Im requesting copies of the mortgage statements with the transaction activity displaying the payments were applied to the principal only. Once received, it should avoid duplicate correspondences. You failed to state that the two payments applied to the principal should have applied to the designated month indicated on the payment. Check # XXXX payment should have been applied to XX/XX/XXXX balance due. 
The mortgage statements section Important Payment Information, states to designate how you want additional funds applied and the payment will apply as directed. All my payments indicated the month to apply the payments. I never requested any of my payments to be applied to the principal only. The payment information never mentioned payment hierarchy. 
You have never responded to my request of reimbursement for my out of pocket payment on the tax payment of {$1900.00} and why was it not paid from my escrow account. Again, I never stated there was an overpayment in the XXXX taxes. I stated the payment was made by me and not my escrow account. Therefore, this matter is unresolved. I never made inquiry about the XXXX tax bill. 
Your XX/XX/XXXX response through CFPB never stated anything pertaining to the tax payment. Your XX/XX/XXXX correspondence only stated, At this time, our Tax Department is currently reviewing your inquiry as confirm if there were any refunds or overpayments previously due. Purchasing the loan has nothing to do with my reimbursement. 
The loan history summary is for the mortgagee. I require monthly mortgage statement displaying the transaction activity. 
I look forward to answers to prevent duplication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to investigate XXXX XXXX XXXX XXXX this matter immediately due to a lack of information and inaccuracies. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, 30 days Late payment on XX/XX/year> and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. I was never late in fact I had a debit card on file and I want documents of that because I never made a late payment or paid any payment late.

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
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has made XXXX changes to my report recently, most of which are remarks of no significance like " Credit Card. '' or " Closed Account. '' which can be easily ascertained from the report information. 

Additionally, many of my existing accounts were added as " new accounts '' and one account that is definitely not mine was added, indicating that I took on ~ {$300000.00} of additional debt : Between XX/XX/XXXX and XX/XX/XXXX, your mortgage with SERVICEMAC/GUARANTEE was added to your report. This account was opened on XX/XX/XXXX. 


Additionally, another new account that I am not familiar with was added : Between XX/XX/XXXX and XX/XX/XXXX, your account with AVANT was added to your report. This account was opened on XX/XX/XXXX. 

After the XXXX changes, my credit score was negatively impacted by XXXX points. All other bureaus did not have any similar changes and I have not had any derogatory credit events that would prompt all of this data changing. It is negligent and irresponsible handling of personal credit files to make bulk updates/merges of data such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting 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: CO

Complaint narrative:
On Friday, XX/XX/XXXX, I received XXXX phone calls from an entity identifying themselves as Experian. Had a clear foreign accent and language pattern such as saying they represented the " highest authority '' ( all calls received between XXXX and XXXX XXXX mountain time ) I was told someone in CA had tried to open a new XXXX credit card using my social security number. I was also told that someone had made a XXXX dollar charge for a membership to XXXX. The person correctly read off my birthdate, social security number and outstanding credit card balance and wanted me to confirm. I refused to confirm any information and said if it was a legitimate issue I would make a call when I was home to Experian. I checked my Experian account, the XXXX XXXX XXXX and found no confirming information. I did call Experian ( you can not talk to a human there ) and submitted a request for a 1 year fraud alert. 
The phone numbers making the calls to me were 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 non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is against the guidelines under the FCRA.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
MT Bank violated the following : 15 USC 1666b, 15 USC 1681a ( 2 ) ( 1 ), and 15 USC 6802. I would like for all negative remarks to be removed from my consumer reports 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 explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. 
Washington XXXX DC XXXX Dear sir, XXXX, I tried to finish reporting as much as possible as usual. A few days ago, I found out there was a filing of CFPB by another email address, XXXX. I was wondered then why there was a filing notice from CFPB to XXXX email address. Usually, my filing to CFPB was done by XXXX account ( XXXX ) due to the result of issue occurred by my business website, XXXX, which was disappeared last year most likely by hacking. Since the issue was not solved when the filing to CFPB was started, I did not want to use the yahoo account at all. I received XXXX emails from CFPB ( XXXX ) which indicated the complaint ID XXXX. Since I worked on finishing to check all reviews and documents, I tried to check this complaint ID of checking and saving filed on XX/XX/year>. I could not find this complaint ID in my CFPB account. Therefore, I request your organization to investigate this matter. Also, I received from CFPB the notice, we have received [ my ] correspondence on XX/XX/year>. I just can say since I can not find out this complaint ID, this one must be the result of impersonate, phishing, and scam. I also request your organization why this suspicious third individual/party could use my email address. Since I have issue with Turbify which relates with XXXX XXXX XXXX, this matter might relate with XXXX and XXXX. Honestly, I am tired these matters which might be the result of identity theft and data breach. I request further investigation and show me what the United States governmental bodies perform their responsibilities of the identity theft, not only just terminating the court file. 
Sincerely,

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
On XX/XX/year> I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Fair collections & outsourcing on XX/XX/year> showing a balance of {$900.00}. Fair collections & outsourcing failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.

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 2024-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA
State: AZ

Complaint narrative:
Hello My name is XXXX XXXX, I filed bankruptcy in XXXX and it was discharged in XXXX of XXXX and the trustee that over saw my case included my XXXX  education student loan through aes in my bankruptcy. It shows on my discharge paperwork. I found out last year when buying a house that they were still reporting on credit report and found out they didnt accept the discharge and kept accruing interest and just placed it on a forbearance. Now they are saying it wasnt allowed in my bankruptcy and keep making me pay at a higher interest and wont even help me out. I want to know how the current open investigation affects me? My number is XXXX XXXX XXXX. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When entering into the program I along with several others were told that the other members in our group would pitch in and make the payments if we fell on hard times.I was given wrong information and pressured to take out this loan to " help my credit ''. 
This is not what happened. I was never offered helped. 

I had a XXXX in XXXX ( see attached ) and was unable to make payments until I recovered. I explained that to XXXX who was supposed to be the manager. I was assured that as long as I made an effort there would be no impact to my credit. I was told that this program would help my credit and that they would never do anything to hurt their members. 

They inconsistently reported balances. They never accurately furnished the correct information to the credit bureau. The center managers XXXX and XXXX did not inform me of the risk of joining this program. 

This program is predatory in that it targets XXXX XXXX, XXXX women. High unreasonable expectations that are not explained in the beginning. They promote community but it is not like that once you join and they don't help you in the long run. They then pressure you to add in more of your friends like a pyramid scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When entering into the program I along with several others were told that the other members in our group would pitch in and make the payments if we fell on hard times.I was given wrong information and pressured to take out this loan to " help my credit ''. 
This is not what happened. I was never offered helped. 

I had a XXXX in XXXX ( see attached ) and was unable to make payments until I recovered. I explained that to XXXX who was supposed to be the manager. I was assured that as long as I made an effort there would be no impact to my credit. I was told that this program would help my credit and that they would never do anything to hurt their members. 

They inconsistently reported balances. They never accurately furnished the correct information to the credit bureau. The center managers XXXX and XXXX did not inform me of the risk of joining this program. 

This program is predatory in that it targets XXXX XXXX  XXXX women. High unreasonable expectations that are not explained in the beginning. They promote community but it is not like that once you join and they don't help you in the long run. They then pressure you to add in more of your friends like a pyramid scheme.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
SPRING OAKS CAPITAL LLC Has already been removed from XXXX, XXXX and XXXX. SPRING OAKS CAPITAL LLC Is aware the debt is not mine and has been removed from all other reporting agencies yet has failed to remove front XXXX XXXX. SPRING OAKS CAPITAL LLC Has no validation that i signed for them to collect debt or that I owe them debt. SPRING OAKS CAPITAL LLC Has violated FCRA standards for past year by failing to provide proof that I owe SPRING OAKS CAPITAL LLC debt. SPRING OAKS CAPITAL LLC Has violated FCRA regulations by not running accurate disputes as this account has already been removed from all other agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation