vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Shellpoint/New Rez sent a check in the amount of {$770.00} dated XX/XX/, stating there was an overpayment and that the payment moving forward would be {$1000.00} starting in XX/XX/XXXX  and then the statement for XX/XX/XXXX   indicates a payment required of {$1100.00}. The XXXX statement indicates the past month payment was not late however if you read in another area of the statement, it indicates a past due amount of {$1500.00}. 

Additionally, in the area for escrow, there is an amount of {$34.00} and it has for taxes and insurance, that should not be as all taxes and insurance are paid by the homeowner. The homeowner has paid their insurance and taxes independent of the Shellpoint/New Rez. 

There again seems to be some form of fraudulent behavior and extortion to obtain funds that Shellpoint/New Rez is not due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: NY

Complaint narrative:
On my XXXX and experian report theirs is XXXX negative item that's 90 days late last XXXX of account XXXX this item supposed to be removed from my experian credit report and XXXX my social security number is XXXX theirs a federal trade commission identity theft report on file please have experian remove the account and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: KY

Complaint narrative:
This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded in your file at the time of this request. Please don't respond to my request by saying that these accounts have been verified. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted if you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 
Accounts listed below : XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
Company has this account without my permission. I asked for validation of this debt and the company did not provide the contract is asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I applied for an Apple Card but was initially denied. I was then offered to start on the path to the Apple Card program through Goldman Sachs. I completed the program and applied for the Apple Card and was accepted. The first time I tried to use the card was in XXXX to make a purchase and it was denied. I contacted the company and the only thing they would tell me is that my account was under a restriction and that someone would be in touch with me. I tried contacting them again a couple of months later and was told the same thing. I looked at my wallet app on the XXXX and it still says the same thing. I remember hearing in the news about a month or so ago that Goldman Sachs is trying to offload the Apple Card to another company. I have read on the internet that a lot of people have had this problem with no resolution ever happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX of 2023 I applied for an apartment XXXX XXXX XXXX in XXXX XXXX Ct. The apartment that I applied for wasnt the apartment that I wanted because it was too expensive. The website forced me to apply for the apartment that costed XXXX. I then emailed the apartment manager and told her I didnt want that apartment I wanted the cheaper apartment. She then told me that was ok with her and it would be ready for XX/XX/2023. The apartment for XXXX would have been ready for XX/XX/2023. I was ready in XXXX. I was called by someone in XXXX and told that I wouldnt be able to get my security deposit back so I called Wells Fargos customer service and asked if they can dispute my charge since I wouldnt be able to move in and it was a scam. I was told yes so Wells Fargo started a dispute. I havent heard anything else back from the bank so I called and when I called I was told that I was sent a letter that I never got back. So not only was I forced to apply for an apartment that I couldnt afford but I was also told I wouldnt be able to get my money back. Upon further research this apartment concierge they have had many issues brought against them. I would also like to point out that i had a friend go look at the apartment as well. I asked the property manager how much was the rent and she herself stated between XXXX. I went to check my welcome package and the rent was actually XXXX XXXX Way more than I was ever willing to pay and from my conversation with the property manager she knew I wasnt willing to pay that. Online it has one price and when u get the welcome package theres another price.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experien signed me up for a $ XXXX subscription while I was thawing my credit. Now they say if I drop their subscription I will no longer be able to freeze or thaw my credit.

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 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
I had a online bank account with chime and on XX/XX/XXXX I had an unauthorized transaction on my account for XXXX dollars and I disputed it with them and filed a police report sent them a copy they denied my dispute so again in XXXX I had another unauthorized dispute for another XXXX dollars I followed same procedure with Chime and again they denied my dispute when I called asking for reason customer service person hung up on me I'm XXXX and can't afford to throw away XXXX dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been sued by Wells Fargo for several fraudulent accounts. I informed Wells Fargo that I did not open the accounts. They did not care. I have found charges for life insurance, XXXX insurance, and identity theft protection. I finally got a letter for Identity theft products that were not authorized. Even though Wells Fargo is finally saying I may have been done wrong they are still suing 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 explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Working with Mr. Cooper to try to do a cash out refinance. Was told in XXXX that it could be done in XXXX. In XXXX I was told had to wait until XXXX. Found out through a different lender that had Mr. Cooper done the refinance in XXXX, they would have been penalized because it hadn't been a year. 
Conflicting information and when I tried to reach Mr Cooper about it, took a week to 10 days to get a call back. Tried to reach the representative 's manager, left several voicemails, sent an email and have never heard back from him. 
Because the refinance did not happen in XXXX, I am now being sent to collections on several accounts that I thought I would be able to take care of in XXXX. So now my credit score is bad and they say they can't do the refinance now because of the low credit score. 
I also was not given any other options, like a reverse mortgage. 
I do not know if anything can be done, but if I was given incorrect information in XXXX, the company should do the refinance now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been in contact with Discover several times over the last few months. A agreement to settle the balance was made and subsequently the payments have been made for XXXX of the 36 month of payments. After several unsuccessful discussions they advised that they would report the balance owed, monthly payment history, date of the last payment. 
The balance due would show the remaining 13 months of payments which is currently reflecting the higher balance to which the settlement was agreed upon. The amount should be aproximately {$3800.00}. The discussion and agreement with Discover is that the payment plan would be done in good faith. Their lack of action is being done with intent to harm me and cause me difficulties moving forward. While I was relieved that Discover agreed to make the change they have not provided this update to the creditor. 
I have also contacted Discover in a attempt to determine if a option of a lump sum payment could be agreed upon in XXXX. This has been ignored and to my surprise they have not taken the opportunity to respond and honestly deal with me as a consumer. My health has been very bad and have been given a one time opportunity to pay the amount if Discover would provide a discount for lump sum payment. I will need 60 days to get the funding and if agreeable will request that the company please provide me a letter with the amount they will settle all claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: SC

Complaint narrative:
XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy ( 15 USC 1681 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report immediately. I am attaching proof that Equifax had admitted that I was in fact a victim of this breach, and have done nothing to rectify the situation. Please help me remove the illegal account reportings from my credit report. 

XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX Acct # XXXX I am requesting that these late payments and accounts be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report immediately. I am attaching proof that XXXX had admitted that I was in fact a victim of this breach, and have done nothing to rectify the situation. Please help me remove the illegal account reportings from my credit report. 

XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX Acct # XXXX I am requesting that these late payments and accounts be deleted from my 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 2023-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I have sent an email in XXXX requesting that any amount paid that is over the amount due be applied to my principle amount due, this email has so far gone unanswered. Also, I have tried calling them several times and wait times are 90 minute 's or more making it impossible to speak to someone. When making payments that are greater than the amount due, Nelnet reduces the next months amount due. I have sent an email requesting that the remaining a amount that is over the amount due on the statement be applied to my principle amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated.

I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 
XXXX 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 request that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: MI

Complaint narrative:
There is an auto loan on my credit report from Westlake financial services and I have not been supplied all the necessary documentation in regards to this auto loan contract

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: KY

Complaint narrative:
This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded in your file at the time of this request. Please don't respond to my request by saying that these accounts have been verified. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted if you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 
Accounts listed below : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2023-11-26 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: EQUIFAX, INC.
State: KY

Complaint narrative:
This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded in your file at the time of this request. Please don't respond to my request by saying that these accounts have been verified. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted if you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 
Accounts listed below : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a Victim of the Equifax  Data Breach. I want all inaccuracies removed from my credit reports. As you can see I have already made a complaint and provided documents to support my claim. This has been a hindrance to my family dramatically. I ask that these actions take place immediately. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: MI

Complaint narrative:
I am a Victim of the Equifax Data Breach. I want all inaccuracies removed from my credit reports. As you can see I have already made a complaint and provided documents to support my claim. This has been a hindrance to my family dramatically. I ask that these actions take place immediately. 

Thank you 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 2023-11-26 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: MI

Complaint narrative:
I am a Victim of the XXXX Data Breach. I want all inaccuracies removed from my credit reports. As you can see I have already made a complaint and provided documents to support my claim. This has been a hindrance to my family dramatically. I ask that these actions take place immediately. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: FL

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief