vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I closed on a refinance loan with NewRez on XX/XX/2022 via their closing agent XXXX XXXX XXXX XXXX, XXXX. Subsequent to closing I've received 3 notifications from NewRez advising that my loan funded and providing me with a mortgage payment coupon. 
On XX/XX/2022 I followed up with XXXX XXXX XXXX XXXX, XXXX to obtain a copy of the signed closing documents, confirm that my existing mortgage had been paid off and to see when I could expect the monies to be paid to me from the closing. I was advised that the refinance loan did not fund and would not fund until I signed a Power of Attorney. In the 13 days that passed between the day of my closing and the day I made a follow up call to XXXX XXXX, I never received notice from XXXX XXXX advising me of a problem with the refinance or the need for me to sign additional documentation. 
With regard to the Power of Attorney, I called XXXX XXXX XXXX XXXX, XXXX on the day of closing and advised them that I was not comfortable signing a Power of Attorney giving anyone but me the ability to make changes to the closing documents. I was advised by XXXX, the closing mananger of XXXX XXXX, that I did not have to sign a document if I was not comfortable signing it. I asked if the loan would still fund if I didn't sign the document and she advised that the loan would fund but if a document needed to be corrected it would take a little longer because the document would need to be sent to me for correction. Based on XXXX 's representation I continued with the refinance closing. 
In addition , XXXX XXXX also wanted me to sign a document permitting them to charge me a {$50.00} overnight XXXX  XXXX fee. This fee was never disclosed on the XXXX XXXX XXXX or the Truth-In-Lending or any documentation from the lender, NewRez. It is my understanding that all fees must be indicated on the Settlement Statement. Even those paid outside of closing. For this reason, I did not sign the authorization to deduct the {$50.00} overnight fee. 
I did sign a Compliance Agreement which requires me to cooperate in signing any documents that may need to be corrected post closing. I am comfortable in doing this but I am not comfortable providing a Power of Attorney to allow someone else to make changes to my closing documents. 
I believe XXXX XXXX XXXXXXXX XXXX and NewRez LLC need to be investigated for unethical closing practices and theft if my current mortgage has not been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: OK

Complaint narrative:
I did not give permission, consent, authorization, to make a report nor did I benefit from the items listed on the report. On or about XX/XX/XXXX I called each agency, seeking to correct the report. I have sent in a complaint prior to instructing them on the items to remove ; Correcting the Name, address, phone number, occupation, open and closed accounts, inquiries. An adverse event happen, XXXX XXXX denied me my open-end account. I have instructed each agency, being subjects to the public the regulations state they must remove items from the report when they are being disputed, and they have not. that constitutes a form of identity theft. I have had a phone call confirmation stating that they did and they have not. Hindering delaying the pursuit of life liberty and happiness our monarch.

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 2022-02-28 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Marcus by Goldman arbitrarily and capriciously will not allow me to unlock a card I had temporarily locked nor will they allow me to request a new card. Whether this is due to gross incompetence by their technology department or because this is intentional is unknown. I am stranded, however, because of Marcuss misconduct here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Senex Services Corp.
State: MO

Complaint narrative:
I requested from the company a signature bearing document proving that I owe a debt to Senex. Instead I received a copy of sensitive and private medical information of which I have not released the rights to Senex to possess. The company did not prove by providing a copy of my medical records that I owe a debt to Senex. Also the company is in direct violation of my HIPAA rights and can be sued in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 

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

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. CAPITAL ONE has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with CAPITAL ONE, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting CAPITAL ONE delete this entry immediately and provide me with a copy of the correspondence sent to the Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
ITEM WAS NEVER DELIVERED OR RECIEVED. 
ACCOUNT INFORMATION ICRORRECT ( LOAN BALANCE, PAYMENT NOT CORRECT ). 
I DO NOT OWE NISSAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
The company, National Recovery Agency, is not verified by the state of Florida as a licensed collection agency that is legally bond to collect a debt. The National Recovery Agency has been reporting false collection information to all three of the credit bureaus.

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 2022-02-28 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX XX/XX/2021 with follow ups disputes each month for 7 months and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

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 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Hello, My phone with XXXX stopped working on the XXXX and went into store to get the phone fixed on Tuesday the XXXX. I had a bill of XXXX on my account and this caused my phone to stop. They said since I exchanged my phone the day of the purchase my special plan changed from XXXX to XXXX. I worked on getting the phone fixed on Tuesday the XXXX without paying anything. Phone got fixed then two hours later my phone went bad again. Went back on Wed and they refused to fix my phone. Another bill was placed on my account. My wife, on the XXXX, ended up going to store where we purchased the phone and paid the XXXX and phone got fixed, this was due to my pin and security pin were wrong so only way to get phone up was to pay the bill. After getting my phone fixed another bill for XXXX was placed on my account and my phone was disconnected again. I have the bill attached below. While my phone was off someone got a passcode reset codes and used my XXXX on my phone and hacked into my XXXX email address and also got codes to my XXXX gmail account. They also got into my coinbase account and while in my account they pulled ACH Deposits from my checking account into my coinbase. With the money in my account and the money pulled from ACH they bought bitcoin and in XXXX days they took all my money in my account. Total loss of {$24000.00}. I need help getting my money back. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX XX/XX/2021 with follow ups disputes each month for 7 months and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

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 2022-02-28 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX XX/XX/2021 with follow ups disputes each month for 7 months and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I consumer XXXX XXXX contacted Experian on behalf of my self there was no third party involved. I contacted Experian Via certified mail XX/XX/XXXX and received a certified mail return receipt which has been signed and stamped by an Experian Agent. I did not receive a response from Experian regarding my concerns or my dispute. Pursuant to 15 USCc 1681i ( a ) ( 1 ) Experian must investigate a claim within 30 days and failure to do so is a directly violation of 15 USC 1681i ( a ) ( 1 ). I am aware that if after 30 days the information can not b verified, or if the information is found to be inaccurate or incomplete, the information must be deleted. I am demanding that these inquiries be removed immediately. Experian has failed to comply with my demands this is a violation of 15 USC 1681i ( 6 ) ( A ) and the inquiries must be removed. Experian has willfully failed to comply with requirements under the FCRA causing damages to my reputation. which is a violation of 15 USC 1681n ( a ) ( 1 ) ( A ).

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. CREDIT COLLECTION SERVICES has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with CREDIT COLLECTION SERVICES, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting CREDIT COLLECTION SERVICES delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/2022 I've been reaching out to this company to remove the alleged debt from my consumer report. While I'm in the process of reaching out to the company they never gave me any supporting documents nor written authorization that I started the debt. Every time I try to communicate with this company to dispute the debt they send me price reduction. The company XXXX XXXX XXXX keeps sending me reduce prices of the debt instead complying with my request or showing me proof of the debt. I had the same account on my XXXX and it's still reporting to the other XXXX consumer agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 XXXXXXXX, has violated my rights. 

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

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act 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, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The company is not verified by the state of Florida as a licensed collection agency that is legally bond to collect a debt. The company has been reporting false collection information to all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am a sole proprietorship in XXXX House XXXX services. I was approved through the XXXX for a loan in the amount of XXXX. A loan i have to payback and have interest on. My account that was a personal account through chase bank, which i notified them about the deposit. It was direct deposited in the account XX/XX/XXXX or XXXX i have no access to the account for the exact date. My purse was stolen from a hotel and charges were made that i did not authorize and i was debited back the money around XXXX $ over XX/XX/2022 XX/XX/2022. I had some issues getting my bank card, I had moved out of the address they sent the card. I could not update the address because it took 30 days for there system to update. I was in between homes at the time so i was staying in hotels. I had to get withdraws from the branches in XXXX XXXX. I guess this gave them reason to close my account XX/XX/2022 I was told a cashiers check would be mailed to corrected address. It was but it was only for XXXX it was XXXX short. 
I was told to bring in documents. I took in tax returns, loan agreements, denial letters, written receipts. None of these were acceptable. in fact on XX/XX/2022 i went into branch to upload one last document, i was told they had none of my documents in there data bank. its now XX/XX/2022. I can not get a account no where and im at my wits end with this i need my money. how is this ok

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
I am ( XXXX XXXX XXXX ) requesting that the negative payment mark on my credit report be removed. I've been a member of USAA for 23 years, and I have a strong history of making payments on time. However, through my credit monitoring service, I discovered that I was given a late payment mark. I was unaware of the late payment until XXXX notified me. I had never received a statement, email, or phone call stating I was about to receive this late charge and only became aware of it when it appeared on his monitoring service as a late payment. Once notified, I immediately called and made that payment in full on that same day. 

I'm not a frequent user of the card, and I traditionally pay more than the minimum, and I was not expecting to make any payments that month. In addition, I have never been late with any fees in the past, and I'm a loyal customer. 

In addition, this issue has had a severe adverse effect on my credit score.

If my points are being considered. I request that you rescind this late payment charge and delete the late payment entry from my credit report with any credit reporting agency to which you report. 

Thank you for your prompt attention to this matter and your courtesy in this regard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation