vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Complaint about loan with Shellpoint : A Division of Newrez Note : All times in Central Time Zone I received a call from this phone number on XX/XX/2023 at XXXX : XXXX XXXX XXXX XXXX The caller said to call at XXXX XXXX XXXX XXXX, which I promptly did. 

The system did not allow me to get through despite entering the correct phone number ( which was the prompt ). I tried back again today, XX/XX/2023 at XXXX. Again it asked for phone number to verify me, which it failed. I then tried loan number, that too failed. 

This servicing company is not available to get through to return phone calls. After multiple prompts I finally got through ( again, I feel as if Shellpoint is intentionally making it difficult for borrowers to get through to them ). 

Upon getting through, I was asked why I was calling. I informed them that I was returning their phone call. The representative did not know why they had called me and speculated that it was a welcome call. 

I requested a response as to why they had called me and they said they could not tell me as they didn't know. 

I would like a response as to why I am getting harassed with phone calls and being told I have to call back and then wasting my time without anyone on the other side being able to explain why I was called in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have credit inquiries on my report that do not belong 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 2023-05-16 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: NV

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: OH

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, the Consumer completed an online credit application providing 2 accepted credit cards ( the Consumer 's Social Security Number/Card and the Consumer 's Driver License Number/Information ) pursuant to 15 U.S.Code {$1600.00} ( m ) to the Lendmark Financial Services LLC for the purpose XXXX obtaining money on credit. After completing the application the consumer was both a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code {$1600.00} ( p ) and was " discriminated against '' by the Lendmark Financial Services LLC pursuant to 15 U.S.Code {$1600.00} ( a ) ( 3 ). Furthermore, the Lendmark Financial Services LLC has obtained the consumer 's, consumer report under false pretenses pursuant to 15 U.S.Code $ 1681q and without permissible purposes pursuant to 15 U.S.Code $ 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I do my banking with Ally Bank - an online bank with no physical locations. 

I have been their customer for many years and have not had any problems accessing my online accounts until XX/XX/XXXX. 

On XX/XX/XXXX, I tried to log into my account and could not. I got a message stating Online Access is Blocked. I called Ally on XXXX and Ally created a ticket # XXXX and directed me to follow up in a day or two. I called them again on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Ally keeps telling me that issue is being " reached '' and they can not provide estimated date when online access issue will be resolved. 

I use Ally for online banking purpose and not able to access is frustrating and impossible to manage my finances especially when Ally can not tell me when & if I will be able to access my account online.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX Shows multiple incorrect addresses and a Social Security Number ending in ( XXXX ) that IS NOT MINE and should not be on My Report. 
Also : My Report [ s ] should only show that I am XXXX XXXX ad that is my current status. 
Ive tried to contact them By phone & mail to no avail.

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 2023-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I am applying for public service loan forgiveness. I consolidated my loans in XX/XX/2022. 

My pslf counts were finally updated in XX/XX/2022. I was missing counts from XXXX and XXXX. When I adressed it with Mohela, they said those times didnt count because I was in Inschool Deferment. I argued that i should of been in deferment and that I was given no other option ( i was in medical residency which should of counted ). They said they would submit a request for recount to FSA in XXXX. I have called mohela without any confirmation that a request has been sent. I sent a complaint to FSA in XXXX without a response. I contacted the FSA ombudsman in XXXX who told me to just wait. It is closing a year without a proper count. I called Mohela and they said my only complaint process is through FSA or a congressman. I am looking for resolution to my counts and the deferment issues from XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I tried to fix this with Equifax but their verification system is faulty

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Capital Auto Credit, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, the company sent a copy of purchase agreement since asking for a copy after purchase XXXX, XXXX. At the onset of purchase, I informed the company there were problems with windshield, sliding door, and other mechanical issues that has yet to be resolved. Additionally, late payment fees are taken out of my bank account on Friday when payments are always due every XXXX Saturday. 
On XX/XX/XXXX, I lost my job because of the company downsizing and letting go those that just started working. I was one of them. I informed the car company. 
On XX/XX/XXXX, the car company called telling me that I miss one payment and they are ready to repossess the vehicle and if I do not give the vehicle back voluntarily, they will contact police to issue a warrant for my arrest. Of course, I explain that I can not pay until I start my new job. I offered the car company a copy of my offer letter with date, rate of pay, and location. The car company did not want to hear it and continued threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
As of XX/XX/XXXX, I contacted Navy Federal Credit Union, regarding the maturity date of the loan. I was advised the last payment was on the month of XXXX of XXXX. I started payment on this used car auto loan as of XX/XX/XXXX, the loan term was 72 months, due to financial difficulties including during the covid lockdowns I had no choice but to request a deferral, I was advised those payments will be added to the end of the loan, therefore they extended the loan from 72 to 82 months, which documents of the deferral were not available to me during that period. When I contacted the bank on the above date mentioned, I asked if the last payment is on XXXX why do I have a balance left of XXXX, they said thats from the deferred payments owed including interest. This is extremely confusing to me since the bank is trying to get me to pay by XXXX that lump sum or refinance and pay XXXX $ for 24 additional months that would be a total of 8 years and 10 months which is longer than 82 months. Since XXXX I have requested documentation regarding the deferral, such as when I requested the deferral, when I started payment and when does payment of deferrals end. I was told XXXX times by XXXX different agents including a supervisor the documentation has been mail and I will receive it in 7-10 business days. I contacted the bank today XX/XX/XXXX because XXXX yet to receive the documents. I spoke to a supervisor and she sent them in my banking mail center today since I havent received them by mail. Im still questioning why they extended the loan for 82 months only to add additional months. I was also explain I was being charged everyday interest for those deferred payments. I understood during Covid shutdown getting a deferral would help but instead is hurting me because I have one income and thats XXXX. I shouldnt owe nothing else after 82 months. I need guidance I believe NFCU is taking advantage of me. Also because agents didnt have a way of explaining for my purpose I recorded the conversation. I attached what I received today from my online banking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
The US bank charged me two late fees of XXXX dollars total on a balance of XXXX cents. I had called to get a late fee reversal, and on XX/XX/XXXX they reversed a fee of XXXX dollars but left a fee of XXXX cents that I thought was also included in the reversal. I was not charging that card and thought I did not need to make a payment. Now I have two late fees of XXXX dollars due on my account.

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 2023-05-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
I have my mortgage with Flagstar Bank. We are behind on our payments due to illness. But they are working with us. In the mean time, I keep getting calls from someone who claims they are with Flagstar and telling me I have to send them money before the end of the business day to avoid foreclosure. They want it sent as a money order via XXXX XXXX. I have spoken with Flagstar and they have assured me that these people are not connected with them and that they dont conduct business that way. 
They call me at least twice a week and leave messages. They called me yesterday and again today. The number they call from is XXXX. The number they want me to call is XXXX. I dont want to report Flagstar as they have been nothing but helpful. I just want something done about these scammers. I realized it was a scam before it was too late. Someone else might not.

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 2023-05-16 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: MD

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
on XXXX XX/XX/2023, I sent XXXX $ to a person named XXXX XXXX XXXX ) at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

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 2023-05-16 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I did not give anyone my permission to be an authorized user on this account I would like it removed from my records completely. This is not my account

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 2023-05-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Received the government visa card has no chip on it so limited where it can be spent and if I want to deposit in my bank I have to withdrawl and get charged by my bank to do that. My husband called and requested a check, we waited several months and then called due to no check received just to have the person tell us that they have no record of my husband calling to request a check. This has been a nightmare all the government had to do is cut a check and all would be fine. Of course then the citizens of the USA couldn't get riped off on fees so the bank gets part of the government visa card, what a scam!

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 2023-05-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: PA

Complaint narrative:
XXXX changed their website. When I accessed it, it changed my mortgage payment from bi-monthly to monthly. I wanted to go back to bi-monthly which I HAVE DONE FOR YEARS. I called the company and they told me to cancel the monthly payment and then click bi-monthly. When I did so, they had my bi-monthly date for two days before the date I had previously had scheduled. Now it's on a Wednesday and not a Friday WHEN I GET PAID AND IT'S BEEN FRIDAY FOR YEARS. They are saying it's my fault for changing it on the website and will not change it back.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I tried to fix this with XXXX but their verification system is faulty

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I tried to fix this with XXXX but their verification system is faulty

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 2023-05-16 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: GA

Complaint narrative:
i recently checked my credit report, which im trying to buy a house. And i noticed that i has several inquiries that i did not authorize. This is hurting my credit and stopping me from buying a house these are the inquiries 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 i also filed a compliant with the ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: GA

Complaint narrative:
i recently checked my credit report, which im trying to buy a house. And i noticed that i has several inquiries that i did not authorize. This is hurting my credit and stopping me from buying a house these are the inquiries 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 i also filed a compliant with the ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: AZ

Complaint narrative:
Creating a new complaint in reference to COMPLAINT ID XXXX Chase has not provided clarity around the breech of my account and has certainly not provided a clear understandable response in regards to my concerns. 

I attempted to use my credit card and it was declined, upon being declined I contacted Chase and have gotten the run around multiple times in attempts to resolve the issue. 

I was advised the issue was resolved after my initial CFPB complaint which was false and I was able to resolve after that with additional calls and time. 

I continued to file complaints that were not addressed yet advised as addressed. 

How did Chase learn of my death and what actions were taken to verify this information? 

I'm sure my complaint was the reason that Chase learned of my resurrection. How did Chase validate my resurrection? I provided information that would have been on a death cert so I certainly hope that information is not what cleared the " investigation '' and that additional actions and research to verify the validity of my proof of life were done. 

I received notice from Chase that I was marked as deceased as seen in my attached documents. 

Although in writing saying they are. Sorry for the mistake. That's not heartfelt or a clear validation of the inconvenience to myself as the consumer. 

I would like to be advised of the airs found, how they were addressed and how they were effectively communicated to myself as the consumer. XXXX XXXX. 

I would like to receive advisement of what the resolution to my concerns were. 

I would like to know what actions were taken to address the errors that were found in chases internal investigation. More specifically, I want more information surrounding how they were notified of my death, how my death was verified, If I wasn't facked deceased, how was communication in regards to my account sent? Why my other accounts were not affected? I would like more information on how my resurrection was validated and confirmed to restore my account. I would like to know what Chases research found is impact to the customer for the issues I encountered.

Company response to consumer: Closed with explanation