vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
In XXXX I began asking for a repayment plan, and since then, communication has been severely lacking. I asked XXXX XXXX multiple times in XXXX how to send a payment to get currentwhether I needed a certified check or something elseand received no response. Despite following up several times, I never received any instructions or communication regarding reinstatement or a repayment plan. The only documents I eventually received were foreclosure papers from the court. 

I initiated a loan modification in XXXX, but I was never told what additional documents were required until XXXX. At that point, XXXX claimed I needed another pension letter, despite the fact that the original letter I provided clearly stated that the amount would remain the same for life. How could she expect me to get another letter within a few days? I have repeatedly asked if contributors needed to send proof of income, but again, no response. 

To provide clarity, my stepdaughter has moved in, and my significant other, XXXX, is a contributor. Together, we have a gross monthly income of XXXX XXXX brings home {$4000.00} after taxes, XXXX brings in {$1000.00}, and I bring in {$2600.00}. Yet, Ive been told this income does not support the loan. 

I will attach the communication log to highlight the days that have gone by without any response from XXXX XXXX. This situation is unacceptable. I will now be hiring an attorney to assist me, as I will not lose my home. Im also unsure what role the Consumer Finance Agency plays in cases like this, but I will explore every avenue to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
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 non-monetary relief
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
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 non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
Pennymac grievously misled me into a forbearance. The terms as they were explained to me were the balance of the months would be added to the end of the loan. Imagine my surprise when I went to resume my payments to find the total due immediately was for the entire amount that was supposed to be at the end of the loan. Thank God I was able to pay the almost XXXX. Mortgage payments resumed. They paid insurance and taxes late from escrow 2x in 3 years ( they are not my original servicer ) I requested my escrow account be removed, i have a conventional mortgage, never have been late etc. I was given the runaround then told my account shows multiple 30 day lates because of the forbearance. I was told numerous times the forbearance would not negatively impact my credit or mortgage in anyway. They are now telling me i can not have escrow removed for 2 years and if i wanted to access any of my XXXX in equity i can not because my account shows delinquent payments because of the forbearance. This is absolutely absurd. I have never paid a payment late and have owned 4 homes in my lifetime. If i could refinance to get away from these vultures i would but ill never find a rate lower than my 3 %

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I attempted to use an Amex prepaid gift card from my employer to reload my XXXX account balance. I had done so successfully the prior two years I received one and had very little trouble. 

When attempting to reload my XXXX balance on this {$200.00} gift card, it will not go through, even if I try to redeem it in small increments. XXXX online found other people can't get their cards working on XXXX and other major retailers won't accept them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I want all my information and companies I owe removed off my credit report within 30 days. The reason for this is because XXXX XXXX people information was exposed in a data breach with the credit bureaus and I'm not comfortable with my information being out there. The FCRA law says that they are supposed to protect our information in our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am filing a formal complaint regarding inaccurate late payment reporting by Navient on my student loans. These loans are now transferred to [ XXXX ], but Navient has reported inaccurate late payments on my credit report. 

The issues include : 1. PSLF Modifications : Recent changes to the Public Service Loan Forgiveness ( PSLF ) program allow all payments to count as on-time, including those previously considered late ( which were not late after all ). 

2. Navient Settlement with CFPB : Navient recently settled claims of mismanagement and improper payment reporting, which directly impacts the accuracy of my credit report. Though the accounts are " closed/transferred '' the " late payments '' count towards overall counts of late. I have to appeal or provide a letter of explanation that I do not have 13 lates and lates over 30-90 days. My student loans are referenced.

3. FCRA Violation : The inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), as it does not reflect the correct status of my payments. 

I've called and sent letters for 3 years in between XXXX and either asking me to resubmit proof of documentation which I already had, or the update projects accuracy XX/XX/year> ( reflected on my credit report with each account now ). 

The credit bureau indicates its valid, though I have not received the information I asked for. This employment and ability to acquire loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I m getting contacted by Velocity Investments LLC about an account I did not open personally. I believe I am a victim of Identity theft, and I would like CFPB to assist in the termination of the collection of this debt by Velocity Investments LLC.

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 2024-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequium asset group put a collection on my account that needs to be removed. I never received the work that western dental is trying to get paid for. Insurance covered basic procedures and I still have my teeth they never fixed them or took out my wisdom teeth. They financed stuff they didnt do. This needs to be removed from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I believe the account is invalid. CONSUMER ADJ ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CONSUMER ADJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within fXXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Consumer Solutions has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you 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 non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Consumer Solutions has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you 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 non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was reviewing my Experian credit report as of XX/XX/year> and noticed that not all of my disputed accounts are reporting as disputed. I also noticed that some of these accounts closed accounts included have been re-aged to extend report period these actions are a violation of the FCRA and section e ( 8 ) of the FDCPA.

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 2024-12-23 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: CA

Complaint narrative:
This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), which requires credit agencies to ensure the information they provide is accurate. According to FCRA Section 611, you must investigate my dispute within 30 days and correct any inaccuracies. Additionally, under state law, I have the right to request corrections to any errors on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
I have tried for months to get this fraudulent account off of my credit report. Both of these companies are very unprofessional and obviously lack credibility when providing accurate information. There is a fraudulent loan on my account. I have provided all information of how this account does not belong to me and they insist it remains on my credit report and negatively affect my score greatly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was reviewing my credit report from TransUnion and noticed that there are several accounts that are illegal and in violation of my rights under the FCRA these accounts are being disputed by me but are not reporting as disputed in my credit report. Furthermore there are some closed and collections account that are being re-aged to extend report period.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-23 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: Experian Information Solutions Inc.
State: TX

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number:1XXXX  Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name XXXX  XXXXXXXX XXXX Account NumberXXXX 15 U.S.C 1681 section

602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 seven 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 explanation